We explain all the nuances of vehicle insurance so you can make an informed decision about the coverages you choose.
There are many nuances involved with vehicle insurance that many people are unfamiliar with. If you shop around only looking for the lowest premium, you could find yourself in a bad situation should you ever need to file a claim. A budget premium is often indicative of the absence of coverages that you need to protect your financial health. At Legacy Insurance Partners, we always explain all your options and what a lower premium means in terms of risk so you can make an informed decision about the vehicle insurance coverage you want on your cars, trucks, and recreational vehicles.
We are happy to assess your current vehicle insurance policy and explain what coverages you have and whether there are any gaps you should be concerned about. While North Carolina regulations dictate minimum coverage of 30/60/25, meaning $30,000 bodily injury per person, $60,000 bodily injury per accident, and $25,000 property damage per accident, very few people would be advised to have such low coverage amounts. We can assess your situation and advise you as to the best coverage amounts to have for little additional cost, including understanding the need for uninsured/underinsured motorist coverage.
We also help you understand how vehicle insurance works if you live in Asheville, Davidson, Greensboro, Hickory, N. Wilkesboro, Raleigh, or other surrounding communities in North Carolina. We can explain what it means to live in a “fault” state which is different than states that operate as “no-fault” states. We can also advise you on how to proceed if you suffer a loss due to an accident. If you would like to learn more about vehicle insurance, don’t hesitate to reach out to us.
Whatever Your Auto Insurance Needs, We’ve Got You Covered
Looking for your best value in auto insurance? We’re independent insurance agents, which means we offer you customized choices from over a dozen auto insurance carriers. First, we listen to understand your specific needs. Then, we do the shopping for you to offer the best value at a competitive cost.
Personal Products
- Motorcycle
- Watercraft
- Recreational Vehicle
- Snowmobile
- Inland Marine
Dedicated Support
We not only find your best quote but also serve as your trusted advisors for the road ahead. After writing your policy, a dedicated account manager handles your policy changes, claims, questions, renewals, and initiates coverage reviews. Look no further for auto insurance in North Carolina.
Bundle
Did you know you can often save money when you bundle home insurance? Get an instant quote for auto and home insurance through our secure portal. Then, we will reach out with questions to find any further discounts for you.
Why Use an Independent Insurance Agent?
FAQs About Vehicle Insurance
If you own or drive a car on a regular basis, you need vehicle insurance to protect your financial and personal interests. We offer vehicle insurance policies at Legacy Insurance Partners, and we have answered some common questions we receive about this type of insurance below.
What types of vehicle insurance are there?
There are several different types of vehicle insurance that you can add to your policy. Some of these include liability insurance, collision insurance, comprehensive insurance, personal injury protection, uninsured/underinsured motorist coverage, gap insurance, and more.
What is the minimum required vehicle insurance?
The minimum required coverage varies by state but usually includes at least liability insurance for bodily injury and property damage. You may also need additional coverage, such as uninsured motorist coverage, depending on local laws where you live.
How do I determine how much vehicle insurance I need?
The amount of vehicle insurance you need depends on several factors. Some of these include the value of your vehicle, your financial situation and ability to pay for repairs out of pocket, the level of risk in your area, and local insurance minimum requirements.
What is a deductible for vehicle insurance?
Your deductible refers to how much you pay out of pocket before your insurer pays for repairs or replacement. For example, if you have a $500 deductible, you will pay for the first $500 of repairs, and the insurance company will cover the rest.
How do I get a quote for a new policy?
It is always a good idea to shop around for different auto insurance policies to find the best deal and coverage. To start this process and learn more about our different auto insurance policy options, contact us today.
With vehicle insurance representatives serving the communities of Asheville, Davidson, Greensboro, Hickory, North Wilkesboro, Albemarle, and Raleigh, North Carolina, our team at Legacy Insurance Partners is available to partner as your trusted personal insurance advisor utilizing a consultative approach.