Car, Truck and SUV Insurance in Charlotte, NC

Have you moved to Charlotte from out of town? Are you unhappy with your current insurance plan and looking to switch over to something else? Are you adding a new vehicle or trading in your old clunker? Did you get an unpleasant surprise when your insurance company sent you the first bill after your teenager got a new driver’s license? Car insurance is something that you hope never to need, but it’s important to find a good company to insure your family in the event that you do need it. This informational web site is intended to assist you in the process of selecting a car insurance company, particularly if you live in the Charlotte area.

Auto Insurance Requirements in North Carolina

Under North Carolina law, you are required to carry insurance if you drive a motor vehicle. You must carry an insurance card and be prepared to present it if you are stopped by the police. You are not, however, required to carry all kinds of insurance. North Carolina requires liability insurance to cover bodily injury and property damage. You must carry sufficient insurance for $30,000 per person and $60,000 per accident for bodily injury, and your policy must cover up to $25,000 per accident in property damage. North Carolina does not require uninsured or underinsured motorist coverage.

Selecting an Auto Insurance Agent in Charlotte

You might be tempted to simply purchase the cheapest insurance policy you can find. After all, isn’t all insurance basically the same? Not so. Insurance companies in Charlotte and other cities offer incentives for purchasing multiple types of insurance from their company. For each auto insurance company you consider working with, take a look at the other types of insurance that you may consider purchasing, either now or in a few years. If, for example, you’re thinking of purchasing a home when you save up the money, would you buy the homeowner policy from the same company and the same agency? Would you get an equal quality product and an equal level of support for both policies? Consider your choice of insurance company as if you were committing to staying with them for the remainder of your life.

You don’t know how good your insurance agent really is until you have to file a claim. What does your policy cover, exactly? If you have an accident and need to file a claim, how will the process work? Your car insurance agent needs to be an expert in this area. One thing to be careful about, when deciding on an insurance agent to work with, is finding one who will recommend the policies and riders that are genuinely in your best interest. If you’ve bought a brand new car, truck, or SUV, it’s easy to get emotionally attached to your new vehicle and want to buy only the best for it. Be sure that you work with an insurance agent whom you feel you can trust to recommend policies that make fiscal sense.