Find the best rate on auto insurance.
If you drive a car, you need auto insurance. This type of insurance provides financial protection in the event of a car accident, theft, or another unforeseen incident. While every auto insurance policy is different, most cover bodily injury liability, property damage liability, and additional coverage options.
What you pay for auto insurance depends on many factors, such as your driving history, your age and gender, and where you live. The type of vehicle you need to insure also impacts how much you pay. However, many insurance companies offer discounts for things like good driving records, bundling policies, and vehicle safety features.
Before you purchase a new auto insurance policy, it’s important that you understand the coverage limits and options. The deductible, or the amount you must pay before insurance kicks in, is an important consideration to think about. Higher deductibles often result in lower premiums, but you should balance this with your ability to cover out-of-pocket expenses if you need to file a claim.
At Legacy Insurance Partners, we want to help you find the best possible auto insurance coverage at a great rate. Policy rates are always changing, so if it’s been a while since you updated your car insurance, it’s a good idea to come and talk to us about your coverage.
And in the future, if you ever have questions about your policy and what it covers, we’re happy to help. Contact our insurance team in Greensboro, North Carolina today to talk about your auto insurance coverage.
FAQs About Auto Insurance
Being informed is essential when you need auto insurance, and our goal is to help you find the right policy for your specific needs. We will honestly advise you on what is in your best interests. To learn more about auto insurance, check out some of our frequently asked questions below. If you have other questions, contact us and we will find an agent who can assist you.
What does auto insurance not cover?
While auto insurance covers liability and repair costs following a collision, it won’t cover general wear and tear. A standard policy also does not cover repairs or replacements because of a breakdown or other mechanical problems. For that, you will need to add on mechanical breakdown insurance. Standard auto insurance also does not cover personal belongings that are stolen from your car or damage that exceeds the limits of your coverage.
Will my auto insurance cover other drivers who are using my car?
In North Carolina, most insurance follows the car and not the driver. It’s also a standard practice for auto insurance policies to include permissive use, which allows a driver not in your household to drive your car and be covered by your insurance as long as the driver has your permission to do so. It’s important to note that this is for infrequent driving, however.
What is the minimum liability coverage I need?
The rule is 30/60/25. You need $30,000 for bodily injury to one person, $60,000 for bodily injury to two or more people, and $25,000 for property damage.
With auto 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.