North Carolina, a beautiful state that has brought us so much comfort…like soothing Vicks VapoRub and those mouth-watering Krispy Kreme Donuts. Obviously North Carolina knows what it’s doing! Just like a box of donuts, full coverage provides you with everything you want.
What Does Full Coverage Car Insurance Cover?
Full coverage car insurance includes Comprehensive and Collision Coverage. These coverage will be listed below with what they specifically cover.
Full Coverage consist of 3 different aspects:
Liability
Liability Protects you against claims resulting from injuries and damage to other people/property.
Collison
Protects against damage to your vehicle resulting from a collision with an object such as a tree, mailbox, telephone pole, guard rail, or another vehicle.
Comprehensive
Protects against damage to your vehicle by any type of non-collision events such as theft, vandalism, fire, weather, glass & windshield damage, and accidents caused by an animal.
Do keep in mind that in order for full coverage to kick in, you will need to pay your deductible amount first.
A deductible is the amount that needs to be paid first before the insurance will kick in. You will typically have the option to set your deductible limit to either $500 or to $1,000. The higher your deductible, the cheaper your insurance will be. The reason for this is that insurance carriers will view you as taking on more of the financial responsibility, therefore, lowering the premium cost which will help with having cheaper full coverage car insurance in North Carolina.
Did that deer come out of no where? Is your car damaged? No Worries! If you have Full Coverage, Comprehensive will cover that!
Check out the box before for average pricing information. If you like what you see, click here for a free quote!
Carrier
Average Monthly Price
Bristol West
$144
The General
$146
Mendota
$149
National General
$122
Average Monthly Rates For Full Coverage Car Insurance In North Carolina
So what does Full Coverage Car Insurance In North Carolina NOT cover?
Uninsured Coverage
Underinsured Coverage
Rental Reimbursement
Roadside Assistance
Medical Payments
These coverages are additional and optional add-ons to any Full Coverage policy. Much like sprinkles on a donut; they don’t change the taste, but they certainly change the experience.
How do you know if Full Coverage is right for you and your circumstances? Take the quiz below to find out!
Should I get Full Coverage Calculator
Car Insurance In North Carolina: Liability Only
Did you decide you didn’t need Full Coverage car insurance in North Carolina? If so, then Liability is your new best friend! If you get into an accident and your at fault, liability will cover bodily injury and property damage up to your policies limits so that you don’t end up with an empty wallet.
Do Yourself A Favor and Get Liability
Another reason to get liability is because it’s required by law.
The websites asks you a million questions then...read moreThe websites asks you a million questions then takes you to some random other insurance companies and gives you quotes that don’t even match any of the information I put in and they ask for.read less
Mia C.
11/21/2021
Justine handled our need for renters insurance in...read moreJustine handled our need for renters insurance in a timely matter. She explained everything I’m terms we were able to understand. She is very professional and very well mannered and friendly. You can tell she loves her job and you can hear her smile through the phone. She is very honest and answered all our questions. We have already referred my sister and brother-in-law to contact Justine for their insurance needs.read less
Nanci F.
9/21/2021
Awesome customer service, AAAAA+++++Thank you again
Georgi W.
7/21/2020
Katie was excellent and extremely helpful! She went...read moreKatie was excellent and extremely helpful! She went above and beyond what she needed to do to help me. Totally satisfied with everything.read less
John B.
7/21/2021
There representative mrs crystal was an awesome person...read moreThere representative mrs crystal was an awesome person all around A+. Helped with all my insurance needs and answered any questions I had.read less
Steven D.
7/21/2019
Jola's customer care was accommodating and hospitable, she...read moreJola's customer care was accommodating and hospitable, she walked me through every step of the process with renewing my insurance with my policy holder, but through the agency. Her assurance and knowledge in addressing my concerns were top notch, thank you 🙂read less
James T.
7/21/2021
My agent Crystal was super friendly an...read moreMy agent Crystal was super friendly an very fast an patient .I will most definantly recommend this agency to everyone i know.read less
Melanie
7/21/2020
Sy was patient, answered all of my questions...read moreSy was patient, answered all of my questions thoroughly and examined all of the available options to find the best fit for me. Worked out great, and I'm paying exactly how much I wanted to be paying for the coverage I needed!! Thanks again! Definitely recommendread less
Andrew C.
7/21/2019
Great great service. Glade I met them. Will...read moreGreat great service. Glade I met them. Will highly recommend them.read less
Billie P.
3/08/2023
The agent on the other line was very...read moreThe agent on the other line was very helpful with choosing the right quote for me and they were very patient with me. The insurance switch was a little complicated but it was very easy for me and they did a wonderful job.read less
Alex A.
7/21/2019
I got an auto-policy and some quotes for...read moreI got an auto-policy and some quotes for renter's insurance from Lauren McKenzie. She was very extremely friendly and got me set up with a rate much better than I was expecting (especially as an under 25 male). The process was super quick and I would highly recommend their services to anyone!read less
Nathan W.
7/21/2019
She was friendly, knowledgeable, and got us what...read moreShe was friendly, knowledgeable, and got us what we needed in a timely manner. Very easy to work with.read less
Chaz B.
7/21/2021
Excellent service. Thought getting my own Insurance would...read moreExcellent service. Thought getting my own Insurance would be a headache but with the help of Veronica and Katie it ended up being a breeze. Thank you both.read less
Sam R.
7/14/2022
Fantastic service and great prices. Highly recommend!
Aaron K.
7/21/2019
Katie was Very Helpful and knowledgeable. She found...read moreKatie was Very Helpful and knowledgeable. She found me best rate for my car insurance. Thank you very much Katie.read less
Gena N.
11/21/2021
Always friendly and helpful
Chelsie H.
7/21/2021
Agent was extremely efficient and knowledgeable. She went...read moreAgent was extremely efficient and knowledgeable. She went in depth detail about the policy & statistics in my city. Will definitely be referring friends & family.read less
Regina R.
1/05/2023
We worked with Justine and she was helpful,...read moreWe worked with Justine and she was helpful, thorough, and friendly! Very simple and easy process. We highly recommend Justine and this insurance company!read less
Megan S.
1/21/2022
Got me started with new auto insurance immediately...read moreGot me started with new auto insurance immediately saved me alot of money.read less
Matt B.
7/21/2020
Sy is extremely knowledgeable in his field. I'm...read moreSy is extremely knowledgeable in his field. I'm so much more confident in my choices after just one conversation with him.Thanks for everything, Sy!read less
Joshua A.
7/21/2019
Very helpful group of agents. Crystal was especially...read moreVery helpful group of agents. Crystal was especially helpful in finding a policy and company with reasonable rates for full coverage on my new vehicle. Also very explanatory to terms and payments due.Will continue my business with A Plus!!!read less
Carolyn K.
7/21/2019
Jola was incredibly helpful in setting up my...read moreJola was incredibly helpful in setting up my home and auto insurance. She got me the best rates out of multiple quotes I had received and was helpful through the whole process.read less
Nathan W.
10/25/2022
Great prices
Tonya P.
7/21/2021
They find the cheapest option to fit your...read moreThey find the cheapest option to fit your needs. Its better then calling each company directly burning time.read less
