Get the vehicle insurance coverage you need at a price you can afford. Serving Wilmington and all of North Carolina.
The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered events.
Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.
As a local, independent insurance agency, Grace Tax and Insurance in Wilmington, NC can help you find the right policy for your car by comparing quotes and coverage options from several top providers. In addition to cars, we insure motorcycles, classic cars, motor homes, boats, Jet Skis, and ATVs.
How Much Auto Insurance Do You Need?
We’re based in Wilmington, NC so our team understands the auto insurance needs of our customers.
In North Carolina, to legally operate a motor vehicle, you must have:
|Bodily injury (one person)||$30,000|
|Bodily injury (two or more people)||$60,000|
While this is the MINIMUM, it does not cover the costs of repairing your vehicle should you be at fault in an accident. To truly protect your vehicle, you should seriously consider adding additional coverage.
We write insurance in North Carolina and would be happy to help you ensure you have the right coverage for your vehicle.
Financing a Car?
To finance a car, it is usually necessary to have insurance that covers damage to your vehicle. This includes:
Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually includes an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.
COMPREHENSIVE INSURANCE (OTHER THAN COLLISION)
Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) And although it’s not legally required by any state, you will probably need it if your car is financed.
Every situation is unique — talk to us today to find out how to get the best value on auto insurance. Request a free quote today!