Check for this coverage in your NC auto policy

If you need auto insurance, call the team at Brevard Insurance Agency Inc. We are the insurance agency that the folks in Brevard, NC, and the surrounding area rely on. When it comes to auto insurance, we are here for you.

Important coverage to check for in your NC auto policy

There are a lot of features that are now available from today’s auto insurance policies. While the most important are collision, liability, and medical expense coverage, there are many different features worth checking out.

Today’s policies also offer features like:

  • Multi-line discounts – if you have more than one policy type with the same insurance carrier, there are often substantial discounts available.
  • Declining premiums – safe drivers can enjoy lower premiums that decrease over time. This feature is typically active when there are long periods without any claims filed against the policy.
  • Rental car coverage – when your car is damaged or totaled due to a covered event, you will likely need a rental car. This expense can be covered if you have this feature.
  • Roadside assistance – included in your policy, roadside assistance can help with accidents, breakdowns, and other auto mishaps.

When you are selecting your auto policy, check to see if these features are available. They can help ease the responsibility that comes with car ownership. Take a look at what’s available when it’s time to renew your auto insurance policy.

We look forward to working with you!

When Brevard Insurance Agency Inc. is here to serve the greater Brevard, NC area. If you have any questions or needs in the insurance area, give us a call. We look forward to working with you, so give us a call or stop by today.

When to Review your Auto Insurance Coverage

Auto insurance is usually paid by the year or half a year. When your policy renewal time arrives, you will get a package from your insurer. The front page is usually the declaration page. This page contains most of the information you need to know about your policy. It tells you who is named on the policy, the amount of liability coverage, and any other coverage that you may have. At Brevard Insurance Agency Inc in Brevard, NC, we have an experienced team who will work very hard to make sure your insurance fits your needs and your wallet. 

When your policy renews

The ideal time to review your auto policy is when you have the declaration page right in front of you. You may find you need to raise the liability limit, depending on your financial situation. If your vehicle has a meager value, you may need to consider whether collision and comprehensive coverage are necessary. The deductible can also be considered. 

When you change vehicles

When you purchase a new or used vehicle or sell a vehicle you currently have on your policy, it is a good opportunity to review your current coverage and make sure it is adequate for your needs. A newer vehicle requires complete coverage than one that is worth only a small amount. 

When a driver needs to be added or removed 

When you add or remove a driver, this is another time when it is wise to look over the amount of coverage you have. When you have a teen driver, adding additional liability insurance and complete coverage is a practical addition. 

Auto insurance is something that needs to change as your life changes. Reviewing it frequently is good for the security of your financial situation. 

Contact Brevard Insurance Agency Inc in Brevard, NC, when you require auto insurance

Do I need more than basic auto insurance in North Carolina

When driving a car in North Carolina, you need to carry at least basic auto insurance. The mandated amount required by the state is 30/60/25 in liability auto insurance. You need to carry $30,000 bodily injury insurance for each person in an accident with a maximum of $60,000 per accident and $25,000 in property damage. At Brevard Insurance Agency, Inc in Brevard, NC, we make it our business to get to know you so we can better help you decide if basic auto insurance is right for you. 

If you have a car loan or are leasing, you are required to carry additional insurance, but if neither of these is the case, is basic liability coverage enough for you? To answer this question, there are some questions you need to ask yourself. 

  • Do you have any assets?
  • Do you need your vehicle to get to work, or is it necessary to daily life?
  • Could you afford to pay to repair or replace your vehicle if it damaged or stolen? 

If you answered yes to questions one and two and no to question three, then basic auto insurance is not right for you. You likely need additional liability coverage as well as collision and comprehensive coverage. The liability coverage protects your assets and collision and comprehensive protect your vehicle. 

Collision covers repairs to your vehicle in the event you are deemed totally or partially to blame in an accident. It will pay to repair or replace the vehicle up to the listed value minus a deductible. Comprehensive coverage includes non-collision damage and theft. It also provides weather and glass repairs. 

When you rely on your vehicle, it is important to have the right auto insurance. At Brevard Insurance Agency, Inc in Brevard, NC, we are here to help you to find the perfect policy for your needs. Give us a call or stop by our office for a no-obligation quote.