Car Insurance in North Carolina
Driving an automobile is risky—but a trusted car insurance policy means you can hit the road with confidence! Whether you're commuting to work, running errands, or going on a road trip, don’t leave home without protecting your vehicle and yourself with comprehensive auto insurance coverage.
Why Auto Insurance Is So Important
Auto insurance isn't just a legal requirement in most states (including North Carolina), it's vital security against financial loss in the event of an accident. From minor fender benders to serious collisions, the costs associated with repairing your vehicle, medical treatment, and legal responsibilities can be overwhelming. Car insurance can help protect you from these potentially devastating expenses, whether you cause the accident or not.
The Different Types of Car Insurance
Not all car insurance policies are created equal! Here's a brief overview of the common types of auto insurance coverage:
- Liability Coverage: This covers bodily injury and property damage you cause to others in an accident that is your fault. It helps pay for the other driver’s medical expenses, vehicle repairs, and other related costs. This level of coverage is required by North Carolina state law.
- Collision Coverage: This covers damage to your own vehicle, regardless of who is at fault in an accident. Whether you collide with another car, a stationary object, or your car is damaged in a single-vehicle accident, collision coverage will help pay for repairs or replacement.
- Comprehensive Coverage: This provides protection against a wider range of incidents that are unrelated to collisions, such as theft, vandalism, fire, hail, falling objects, and damage caused by animals.
- Medical Pay: This helps cover medical expenses for you and your passengers, regardless of who is at fault in an accident.
- Uninsured/Underinsured Motorist Coverage: This coverage helps protect you if you're involved in an accident with a driver who either does not have insurance or does not have enough insurance to cover your damages, including medical expenses.
Understanding Your Policy
Auto insurance policies are extremely customizable. That’s why it’s important to understand what is and is not covered under your specific policy and to make the right decisions based on your needs, vehicle, and financial situation. Our trusted agents at The Phoenix Company are prepared to help you determine whether any of these important add-ons may be right for you to consider:
- Rental Reimbursement: This coverage helps pay for a rental car while your vehicle is being repaired following a covered accident.
- Towing: This covers the cost of towing your vehicle if it breaks down and may also include coverage for minor roadside assistance, such as flat tire changes, jump starts, and running out of gas.
Why Choose The Phoenix Company
The Phoenix Company works with a trusted network of reliable and reputable insurance carriers to offer competitive rates without sacrificing important coverage.
Maximizing Discounts and Savings
Most car insurance companies offer valuable cash discounts for things like safe driving records, student or military status, certain vehicle safety features, holding multiple policies, and more. The Phoenix Company agents are familiar with your options in the Piedmont Triad and are prepared to help find competitive rates and any qualifying discounts that can help you save on your car insurance policy.
Contact Us
Don't live life in the fast lane! Contact The Phoenix Company for help finding the right car insurance policy to protect you when you’re out on the road.
Request More Info
You may also call (336)765-9332 to speak to an agent. Requesting a quote is not a guarantee of coverage. All coverages are subject to the terms, conditions, and exclusions of the actual policy issues. Not all policies or coverages are available in every state.
