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.

Why Use an Independent Insurance Agent?

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.