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Auto Insurance Information
Auto Insurance for Western NC Drivers
Coverage Solutions for Drivers in Asheville, Waynesville, Canton, Sylva, Fletcher and Beyond
Driving on western North Carolina’s highways and byways can offer a scenic experience like no other. However, it can also be dangerous, too. Heavy traffic, limited visibility, steep, winding gradients and frequent inclement weather can always create accident risks. If something were to happen, you want to make sure you have adequate protection for yourself and your car. Personalized auto insurance is the solution that you can rely on to help you out in case of any behind-the-wheel problems.
As the largest family-owned insurance agency in western North Carolina, General Insurance Services has established deep and trusted roots in the communities it serves. We know what we want in our auto insurance, and we’re here to help you get the same security-centric and budget-friendly coverage.
With a policy provided by some of America’s most trusted auto insurance providers, you can receive:
- Liability Insurance: This coverage will pay third parties harmed as a result of your mistakes behind the wheel. If you hit another car, for example,it will pay for the vehicle’s repairs and the driver’s injuries.
- Collision Insurance: When you collide with another vehicle or object, this coverage can pay for your vehicle repairs.
- Comprehensive Insurance: Damage to your vehicle arising from non-accident hazards will have coverage under comprehensive insurance. It might pay for damage from fires, severe weather, falling objects, theft, vandalism or animal strikes.
- Uninsured Motorist Insurance: If an uninsured driver hits your car and cannot pay for your damage with liability insurance, then this coverage will pay instead. This coverage can help you if you become the victim of a hit-and-run accident, too.
- Underinsured Motorist Insurance: Another driver might be at fault for your damage, but their liability insurance might not be adequate to cover all your damage costs. This coverage can make up the difference.
- Medical Payments: If you get injured in a wreck, this coverage can pay your medical bills.
- Roadside Assistance Coverage: Following a breakdown, your auto insurer can help you receive help including gas delivery, tire changes, jump-offs and towing services.
- Rental Car Reimbursement: If you need a rental car after a wreck, this coverage can pay for it.
If you are in the market for a new policy, or just want to see what the most affordable options are in your area, give us a call at 828-252-6848 or request your free quote now!
Common North Carolina Car Insurance Questions
What does vehicle insurance cover?
People buy car insurance because of the benefits it provides for drivers who become victims of car wrecks or other vehicle damage. While you might think you can afford the costs of car wrecks and other damages without the help of car insurance, the fact is you never know how expensive wrecks might be.
With car insurance you can substantially reduce your own cost burden for accidents by letting your insurance pay on your behalf. Therefore, you won’t have to worry about the ramifications of accidents putting you into an unstable financial position.
All policies will include deductibles, coverage limits and exclusions for certain claims. However, with the help of your agent, you can customize your coverage to minimize the ramifications of unique losses.
Does North Carolina require car insurance?
North Carolina is an at-fault insurance state, meaning that drivers who cause accidents will have to pay for their own damage and the damage of others. As a result, the state requires most drivers to carry minimum levels of liability coverage. These are:
- $30,000 bodily injury liability coverage per person
- $60,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage
If you carry the minimum levels of coverage only, you must also carry uninsured motorist coverage at the 30/60/25 limits. Policies with more coverage than the minimum limits must carry combined uninsured/underinsured motorist coverage. Uninsured motorist coverage will pay for both bodily injuries and property damage, while underinsured motorist coverage will only pay for bodily injuries.
How much does North Carolina auto insurance cost?
North Carolina often has some of the most affordable car insurance costs in the nation. Policies average about $540 for a minimum coverage policy and $1,400 for full coverage. Your agent is happy to work with you to find the policy that combines your desired coverage with savings opportunities to keep your rates affordable.