From daily commuters to weekend road-trippers, our auto insurance provides comprehensive protection for Eastern North Carolina drivers. With 100 years of experience serving our community, we understand the unique driving conditions and coverage needs of coastal Carolina motorists.
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Your vehicle represents freedom, independence, and a significant investment worth protecting. Our comprehensive auto insurance covers:
Protects you financially when you're at fault in an accident that injures others or damages their property. North Carolina requires minimum liability coverage, but we often recommend higher limits to fully protect your assets and future earnings.
Pays to repair or replace your vehicle when it's damaged in an accident with another vehicle or object, regardless of who's at fault. Essential protection for newer vehicles or those with outstanding loans.
Covers damage to your vehicle from non-collision events including theft, vandalism, fire, falling objects, animal strikes, and severe weather. Particularly important in our hurricane-prone region.
Protects you when the at-fault driver has no insurance or insufficient coverage. North Carolina has a significant uninsured driver population, making this coverage essential for every driver.
Pays medical expenses for you and your passengers after an accident, regardless of fault. Covers immediate medical needs without waiting for liability determinations or health insurance processing.
Provides 24/7 emergency services including towing, battery jumps, flat tire changes, fuel delivery, and lockout assistance. Peace of mind wherever your travels take you.
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Our coastal region presents unique driving challenges that affect your insurance needs. Our policies address these local factors:
When evacuation orders come, you need coverage that protects your vehicle during extended travel and potential storm damage. We ensure your comprehensive coverage addresses hurricane-related risks.
Eastern North Carolina's rural highways see frequent deer crossings, especially during fall months. Comprehensive coverage protects against these common and often costly animal strikes.
Salt air, flooding from heavy rains, and wind-blown debris create vehicle risks unique to coastal living. Our coverage options address these environmental exposures year-round.
Your agent knows your name, your vehicles, and your family's driving needs. We take time to understand your situation and recommend coverage that actually fits your life, not just the minimum requirements.
As an independent agency, we compare rates and coverage from numerous insurance companies to find the best combination of protection and price for your specific driving profile and vehicle.
When accidents happen, you'll work with agents who know local body shops, understand regional claim processes, and advocate for fair treatment from insurance adjusters.
Combine your auto insurance with home, boat, or umbrella coverage for significant premium discounts. One agency handles all your policies with streamlined service and consolidated billing.
Adding young drivers is stressful and expensive. We help families find discounts for good students, driver training, and vehicle safety features that make coverage more affordable.
Need to file an SR-22 after a violation? We handle the paperwork and find coverage options for high-risk drivers who may have been turned away elsewhere.
Whether you're insuring your first car or updating coverage for your family fleet, our experienced team makes auto insurance simple. Have questions? Call us at (252) 637-4173 for personalized guidance.
North Carolina requires minimum liability of 30/60/25 ($30,000 per person, $60,000 per accident for injuries, $25,000 for property damage). However, we typically recommend higher limits—a serious accident can easily exceed minimums, putting your assets at risk.
Rates depend on your driving record, age, vehicle type, credit history, annual mileage, and where you live. Coastal counties may have slightly higher comprehensive rates due to hurricane exposure. We review all factors to find the most competitive pricing.
Your liability and comprehensive/collision coverage typically extends to rental cars, but there may be gaps. We review your policy before trips to ensure you're protected and advise whether rental company coverage is worth purchasing.
Common savings strategies include bundling policies, increasing deductibles, maintaining a clean driving record, taking defensive driving courses, and qualifying for low-mileage discounts. We identify every available discount when quoting your coverage.
Your uninsured motorist coverage pays for your injuries and vehicle damage when the at-fault driver has no insurance. Given North Carolina's uninsured driver rate, we strongly recommend carrying UM coverage equal to your liability limits.
"Full coverage" (comprehensive and collision) may not be cost-effective if your vehicle's value is low. We help you calculate whether premium costs justify potential payouts, considering your vehicle's current value and your financial situation.