Best Local Car Insurance Agencies in Greenville

Frequently Asked Questions

• Introduction

  A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.
  

• What types of auto insurance coverage does North Carolina require Greenville vehicle owners to have?

  According to state laws, vehicle owners in Greenville and all of North Carolina are required to have auto insurance that covers the following minimum limits: -Bodily injury liability: $30,000 per person or $60,000 per accident; -Property damage liability: $25,000 per accident; -Uninsured motorist bodily injury: $30,000 per person or $60,000 per accident; and -Uninsured or underinsured motorist property damage: $25,000 per accident.

• What factors affect the rate of your auto insurance in Greenville?

  When buying auto insurance in Greenville, various factors will come into play to determine the rate of your policy. These usually include your age, gender, vehicle type, deductibles, and preferred coverage limits. Furthermore, the insurance company will also look into your driving record and history of accidents, whether or not you’ve been a responsible driver, to assess your risk.

• Will the North Carolina DOT find out if your auto insurance in Greenville has lapsed?

  Yes. As North Carolina strictly enforces its liability insurance laws, it mandates all insurance companies in the state to notify the N.C. Division of Motor Vehicles whenever liability insurance on a vehicle is canceled or if coverage lapses for any reason. You may face hefty fees as a penalty if you fail to keep your auto insurance policy up to date.

• If you are a Greenville resident enlisting in the military but will be stationed in another state, will your auto insurance policy still cover you?

  If you are enlisting in the military and will be stationed in another state, your existing policy will automatically meet the other state’s liability requirement. Once you’ve moved out of Greenville and it’s time to renew your policy, you may be required to buy insurance in the state where you are currently stationed to keep your policy valid.

• Will your insurance company in Greenville automatically cover an additional car or a replacement car you purchased?

  Yes, provided that you notify your insurance provider within 30 days after acquiring your new vehicle. Otherwise, no automatic coverage will take effect. Generally, an additional vehicle will have the broadest coverage of any vehicle on your policy. Meanwhile, replacement vehicles will have the same coverage as the vehicle they replaced.

• What is car insurance?

  Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.