For most people in North Carolina and South Carolina, a car is an essential part of daily life. Whether you use your vehicle to drop the kids of at baseball practice or commute back and forth to work every day, you need to protect it with the proper auto insurance policy.
At Spivey Insurance Group, we understand the diversity of the Carolinas, which is why we have options for many types of customers and many different lifestyle choices. If you need a policy for the muscle car you like to show off on the weekends, the sedan you use to commute day in and day out, or the motorcycle you use to zip around town, we’ll get the coverage that’s right for you.
Pickup trucks, antique cars, and even recreational vehicles – if it has wheels, we can find the right insurance.
Our agency also understands the importance of protecting our young people. While some providers avoid teen drivers, Spivey Insurance offers policies especially for teen drivers. We can advise you of any available teen safe driver or student discounts, too.
Both North Carolina and South Carolina require proof of auto insurance to register your car, and both states require you to carry liability and uninsured motorist coverage – the coverage minimums vary by state. But with few exceptions, it’s a good idea to have coverage that extends beyond the minimum. Common optional coverages include collision and comprehensive. We work with a wide range of the nation’s best auto insurance companies so we can help you to create the best safety net for you and your family’s unique needs and budget. While the basic coverage might vary little from one policy to another, there are many options and add-ons that might make sense for you, such as towing and labor, rental car insurance, and repair placement.
A popular option for many of our clients that have auto policies is to supplement auto coverage with the purchase of an umbrella insurance policy. This type of insurance applies to all your personal lines policies, providing added protection. For example, if you were to get in an accident with a wealthy executive that led to an expensive lawsuit, umbrella insurance could help with the legal fees. It is an extra expense every month, but it could be your saving grace in the long run.
TV commercials make is sound like buying auto insurance is all about shopping for the cheapest price, but as the old saying goes, you get what you pay for. There are a lot of complexities and gray areas that can either result in you spending more than you need to or finding yourself under-covered if problems occur. Let’s face it, you aren’t an insurance expert and you shouldn’t have to be – but we are, and we are happy to do the heavy lifting for you.
We’ll find the right safety net for your circumstances, and at the best possible value. We‘ll talk to you about ways to lower your costs through discounts, such as for multiple vehicles, mature drivers, safe drivers, safe cars, and security devices. One way you can often earn substantial savings is to bundle your auto insurance with other policies. We can also discuss other ways to reduce costs that might be right for your circumstances, such as higher deductibles or forgoing collision on older vehicles.
When it comes to protecting your car, look to a trusted coverage source in your community. We invite you to find out why so many of your neighbors are referring us to their friends and colleagues.
If you have questions about our auto insurance options, feel free to give us a call at 704-821-4460 or stop by our office – we’d love to meet you and talk things over. You can also get a free, no-obligation quote by filling out the form on the page.