Umbrella insurance including auto insurance in Concord, NCAuto Insurance and Car Insurance in Salisbury, Mooresville, Concord,  Huntersville, Kannapolis, Davidson, NC, and the Surrounding Areas

Auto insurance is mandatory in North Carolina, and every car insurance policy must cover bodily injury liability, property damage liability, and uninsured or underinsured motorists.

But is that enough? Unfortunately, we’ve found that many motorists don’t have adequate insurance and struggle to recover financially from a devastating car accident.  At Central Carolina Insurance Agency, we serve residents of Huntersville, Davidson, Salisbury, Concord, Mooresville, Kannapolis, NC, and surrounding communities. Call us today!

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Car Insurance

Auto insurance covers not only cars but can also include personal watercraft insurance, truck insurance, RV insurance, and boat insurance. If a vehicle moves, it requires coverage to protect it from the many risks on the road and in the water.

In addition to traditional car insurance policies, our team at Central Carolina Insurance Agency offers various add-ons to give you additional peace of mind. Some of our most popular offerings include:

  • Roadside coverage to cover the cost of most roadside services
  • Medical expenses coverage to cover your (or your passengers’) medical expenses after an accident
  • Collision coverage to cover the costs of car damage after an accident
  • Rental reimbursement coverage to cover the cost of renting a car or finding alternate transportation while the shop repairs your car

Every person’s situation is unique, so we strongly recommend a personalized insurance plan. We can help you find the insurance options that best suit your needs while staying within your budget. There are several options, including agreed value vs. actual cash value , accident forgiveness, and a choice between repair & replacement.

Umbrella Insurance

An umbrella policy extends the limits of your standard auto insurance policy by covering losses that are greater than your preset limits or that require liability or legal protection. This extra layer of coverage can provide you with extra peace of mind while driving or boating. If you get into a car accident that causes catastrophic damage or leaves you vulnerable to liability or legal issues, your standard insurance policy might not cover it.

Umbrella over cut outs of a family, home, and car insurance in Salisbury, NC

Frequently Asked Questions about Auto Insurance

How long should it take to secure an auto quote?

In most cases, a quote can be provided in person or over the phone/email within 5-10 minutes if the requestor has all the pertinent information for the quote (names, dates of birth, license numbers, and vehicle/coverage info)

Is it mandatory for me to have auto insurance?

Yes, it is required in the State of North Carolina for you to carry, at minimum, liability coverage.

Who needs to be included on my policy?

Any licensed drivers in your household that may drive the vehicles listed on your policy.

Does my credit score affect my insurance premium?

Yes, your credit score is taken into account when determining your insurance premium.

What is an Umbrella Policy?

Umbrella insurance is a form of liability insurance that will supplement all of your primary liability policies, such as auto, home, boat, etc. However, the limits under an umbrella policy will be higher than your underlying liability limits. The main purpose of the umbrella policy is to protect your assets from an unforeseen loss in which you are responsible.

An umbrella policy gives extra liability coverage in an extension of the coverage you already have under a home, auto, boat, etc to protect you against large claims for injury or property damage that may have been your fault.

How much Umbrella coverage will I need?

We typically recommend $1 million to $2 million in Umbrella coverage. You will need to carry a minimum of $300,000 personal liability on your underlying homeowners policy and $250,000 per person and $500,000 per accident limit under your personal auto policy.

Auto Insurance options include:

  • Auto
  • Motorcycle
  • Boats
  • Personal watercraft
  • RV’s
  • ATV’s / Off-road vehicles
  • Trailers
  • Classic Cars