Auto Insurance in Hickory, NC
Auto insurance is essential for protecting your finances in case of an unforeseen risk. Whether you’re a new driver or reviewing your current policy, Davis Insurance Group is here to help you understand your coverage options and find a policy that suits your needs and budget.
Is It Required?
North Carolina requires drivers to maintain continuous liability coverage for their vehicles obtained from an insurance company licensed to operate in the state. Lenders may also require collision and comprehensive coverage if you’re financing or leasing your car.
What Does a Policy Cover?
An auto insurance policy often includes the following financial protections:
- Liability coverage can help pay for the expenses related to third-party property damage or bodily injuries if you’re at fault in an accident.
- Collision coverage can help cover the cost of fixing your vehicle after a crash involving an object or another car.
- Comprehensive coverage can cover damage caused by theft, vandalism, fire and other covered perils.
- Uninsured/underinsured motorist coverage can help pay for your medical expenses and your vehicle’s repair costs if you are hit by a driver with inadequate liability coverage.
How Much Does It Cost?
Various factors may influence the cost of an auto insurance policy. These can include:
- Driving record
- Claims history
- Location
- Insured drivers’ ages
- Car model and year
- Coverage selections
- Deductible
Some ways to reduce your rate include having a higher deductible or paying your premium in a lump sum. You can also inquire about discounts potentially available through bundling multiple policies or maintaining a safe driving record.
Where Can I Get Coverage?
Contact Davis Insurance Group to learn more about your auto insurance options or request a tailored quote.