Auto Insurance in Charlotte, NC
Auto Insurance Quote Form
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Auto Insurance Quote Form
Auto Insurance Information
Patriot Insurance Agencies pledge to make sure you understand your insurance coverage options and provide you with an insurance proposal that has been personalized to your unique needs.
Our experts are committed to getting you the best value for your dollar along with an affordable auto insurance package tailored to your needs. We’re an independent agent and we can save you money! Why restrict yourself to the price and coverage offered by one insurance company? Get the best insurance options available by using an independent insurance agent – an agent that works for you.
North Carolina Insurance Quotes Tailored For You
We invite you to call us at 704-938-7888, or contact us to review coverage options for auto insurance. We provide free, no hassle and no obligation insurance quotes to help you make an informed insurance decision.
Affordable, Reliable Insurance Choices
Patriot Insurance Agencies growth is based on our dedication to comprehensive research, resourceful problem solving, quality insurance products and superior client service. Our ability to represent a broad selection of insurance carriers assures that we can provide the coverage you need at competitive prices.
We are proud to offer insurance solutions from several of the nation’s highest-rated insurance companies, including GMAC, MetLife, Progressive, Travelers, Safeco and National General Insurance.
Call for a quote today at 704-596-4911 or fill out this form to the right to have a representative contact you for a free quote.
Common Auto Insurance Questions:
What is auto insurance?
Auto insurance assists you financially in covering vehicle damage costs in the unfortunate case of an accident. It is a paid agreement between you and your insurance provider. After filing a claim following an accident, your provider will step in and assist you in covering significant damage costs depending on what you are responsible for.
What do auto policies cover?
North Carolina Motor Vehicle Law requires that Automobile Liability coverage be continuously maintained. The minimum coverage requirements are:
$30,000 Bodily Injury for each person
$60,000 total Bodily Injury for all persons in an accident
$25,000 for Property Damage.
Motor Vehicle Law also requires Uninsured/ Underinsured Motorists coverage. Auto insurance policies with the minimum Bodily Injury and Property Damage limits are required to include Uninsured Motorists coverage. Policies with limits greater than the minimum must provide combined Uninsured/ Underinsured Motorists coverage. UIM coverage does not provide protection against property damage. The UIM coverage will pay a maximum of the difference between the other driver’s Liability limits and your UIM limits.
The perks included within the policy you choose are generally up to you, but auto policies can offer expansive benefits such as:
Collision Insurance: Covers damage to your own vehicle after a wreck.
Comprehensive Insurance: Pays for damage from non-accident mishaps, like weather damage.
Medical Coverage: Pays for your medical bills and those of your passengers.
Uninsured/underinsured Insurance: Insures you against damage caused by someone else who doesn’t have appropriate liability coverage.
Other coverage offers help for roadside assistance and rental car coverage. Contact your agent about including these protections in your coverage.
Why do you need car insurance?
You are required to have at least some type of auto insurance policy in most areas. However, settling for the bare minimum coverage just to have it can jeopardize the future of you and your vehicle. It’s important to get adequate coverage to assure the safety of your future in the case of an accident. We will help you in finding the best policy for you and your specific scenario.
Questions to ask your agent
Our knowledgeable agents are here to guide you in choosing the best coverage through a variety of sources and expertise, as well as continuous support and advice.
Here are some things to consider as you select your coverage:
How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
What is the insurance company's level of service and ability to pay claims? (Some might be more convenient for you than others).
What discounts are available? (Ask about good driver, multiple policy and student discounts.)
What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)