Cheap Auto Insurance North Carolina


With decades of North Carolina  auto insurance experience, our research professionals are determined to provide you cheap auto insurance with a low down payment and low montly payments. Like your fingerprint, your auto insurance requirements are unique. Let us research it for you for free.  A phone conversation with Protective Agency will get it done. No pressure. Just good advice so you can make a good decision. Then you’ll have auto insurance coverage at remarkably affordable rates.   Dial or mobile users can click this number to call us now at (877) 739-9367.  The other option is to read the 1,500 words on this page for a small overview of what we already know that will help you. Let us save you time and money. Call us now from anywhere across North Carolina. You’ll be happy you did.


If you’re still reading to do your own research, the first step to obtaining affordable auto insurance is to know your state’s laws and requirements. Not all types of coverage are necessary for every state, including North Carolina. By understanding your state’s minimum requirements, you can choose to add more or obtain the bare minimums to save money. This knowledge may influence the type of vehicle you drive, the distances you drive, and even whom you allow to drive your vehicle. Operating statewide with multiple locations, Protective Agency is available to provide competitive quotes for all drivers, even those with the most tarnished driving records. Our insurance packages can be designed to fit the needs of individuals and families throughout the state.

Mandatory North Carolina Auto Insurance


The State of North Carolina requires the following for your bare minimum coverage:

  • Bodily Injury Liability: This insurance pays for medical expenses that you are liable for in the event of an at-fault accident.
  • Property Damage Liability: If you or another insured driver are in an at-fault accident, Property Damage Liability will pay to repair or replace the other driver’s vehicle.

As long as you maintain the above coverage, you are adhering to state law. A reputable insurance company will not sell you any less coverage to lower your premium. We’ve had your best interest in mind over 80 years now. Desktop users dial, mobile users can click (877) 739-9367.

Optional Auto Insurance Coverage


When it comes to auto insurance, the State of North Carolina, on the other hand, does not require the coverages listed below. Your lender (if you lease or borrow money to own your vehicle) may require some or all of this coverage, however, if you are the sole owner of the vehicle, these are the different ones from which you may choose to carry or leave off of your policy to save money:

  • Medical Payments: This coverage will pay for your injuries as well as injuries to passengers in your vehicle, no matter who’s at fault in an accident.
  • Uninsured Motorist Bodily Injury: This policy pays if you are injured by another driver who is uninsured or underinsured in an accident.
  • Uninsured Motorist Property Damage: This optional coverage pays if your vehicle is damaged by another driver who is uninsured or underinsured, or if you are in a hit and run accident.
  • OTC: Other than collision provides coverage if your vehicle is damaged for reasons other than an accident, such as vandalism or theft.
  • Collision: Collision coverage pays for repairs or replacement of your vehicle in the event of an at-fault accident.
  • Rental Reimbursement: This policy pays a per diem reimbursement for a rental vehicle if your vehicle is under repair or needs to be replaced after an at-fault accident.
  • Roadside Assistance: This optional coverage reimburses the policyholder if a tow truck or roadside assistance is needed due to issues such as a flat tire, engine failure, getting locked out, or running out of gas.


When choosing the coverages to keep and the ones to eliminate or adjust, there are a few steps to follow:


  • Determine if any are mandated by your financial lender
  • Weigh the savings against the realities of the “what if?”
  • Determine your real budget
  • Eliminate duplicate coverages (such as 3rd party roadside assistance)
  • Determine your acceptable deductible
  • Lower your rental terms


Any one of these tips may help you save money, however, do not eliminate or change anything if it will raise your anxiety level. Remember, auto insurance is meant to give you some security when you take to the road and face the uncertainties that come with getting behind the wheel. Call now for your auto insurance quotes North Carolina. Desktop users may dial, mobile users can click here (877) 739-9367.

 Auto Insurance Quotes North Carolina


People are busy, busy with jobs, families, meetings, and overall life. Because of time constraints most people typically research and even purchase most items online. When it comes to buying a car, most people have researched their entire purchase before entering the dealership. To speed up the process, the same type of research can be done for auto insurance quotes North Carolina. Quickly find out exactly what you need and how much you’re going to pay.


With our online quoting system and offices across the state, the insurance professionals at Protective Agency can get you quoted and covered quickly and efficiently. And while we understand you are in a hurry, we also know that you have questions and deserve answers. Therefore, we make the following promises to you: We promise not to rush you, and we promise to provide answers to all your questions honestly and professionally. We promise to make the process of obtaining insurance easy and as laid back as possible. We also promise you’ll leave knowing you are in good hands, and that tells us we have done our job well.

Service is Our Guarantee!


Along with the convenience comes exceptional quality service. We understand that you do not have time to wait for a claim representative to contact you back within 24 hours about your auto insurance quote North Carolina. We understand that when service is needed, many times it is due to an already tense and often frightening situation. Therefore, you require immediate attention from your insurance company to take the burden off of your shoulders, allowing you the capacity to focus on your own well-being and that of your family.


Whether you are in an accident or have a life changing event, for example, a marriage causing a name change and the addition of a spouse or your teenager receiving his or her new license, we are always here, willing and able to help.


The insurance professionals at Protective Agency understand how important it is to provide exceptional service to all of our clients. We know that only excellent service will result in a long-term customer relationship, and to that end, exceptional service is our guarantee. With auto insurance, changes happen frequently, and great service is needed as a result. Feel free to call any of our offices to make changes to your policy or payments on your account. Desktop users may dial, mobile users can click this number to call us now (877) 739-9367.

Auto Insurance Claims


Life happens. When it does, it can leave you vulnerable. The worst situation is to be vulnerable and have your insurance company take advantage of you at a time when you need the most support. Making you jump through hoops to submit your claim and have it paid may be a priority for some, but we understand these things can take time. You don’t have to worry about how your medical expenses and repair costs will get paid. You need to worry about getting back to life as usual.


The reason you have purchased auto insurance is to help you in stressful situations. You need to know your policy is there for you to be used when necessary. You deserve to fell confident knowing that your insurance will be ready and waiting for that call any time of day or night. The professionals at Protective Agency and the companies they research for you, understand that auto insurance is only a promise until a claim is filed. Whether it’s a fender bender or multi-car accident, we want to help you through the claims process and get you back on the road sooner than later. We are here to help with medical expense claims and the costs of getting your vehicle repaired or replaced after an accident.


Whether you never use your policy for a claim or you use it once a year, you need to trust your auto insurance company as much as your trust the vehicle you drive in and the person behind the wheel, if not more. You need to know you can depend on your provider to be there any time to provide exceptional service and quality at every turn. At Protective Agency we are proud to be that type of provider.


For auto insurance in North Carolina, look to Protective Agency for a policy that meets your needs at affordable rates. Call us anytime at (877) 739-9367 for a free and confidential insurance quote.


Remember, no two coverages are the same. If you own our vehicle, you should have a different type of insurance than if you simply drive the vehicle. Maybe you have a classic vehicle that has a classic car title. Of course, if you are a new driver, your premiums and coverage would be much different than if you have been driving for twenty years. Review the types of insurance offered by Protective Agency to make sure you are covered properly.


Specific Types of Auto Insurance in North Carolina


There are different types of auto insurance available in North Carolina depending on your particular situation and needs.


Take the time to review your current policy and determine whether or not it provides everything you need for your family’s basic safety. If you’re not sure, no problem. We would be glad to evaluate your policy and establish if it’s the right one for you.


For auto insurance in North Carolina, look to Protective Agency for a policy that meets your needs at affordable rates. Please feel free to call us at (877) 739-9367 for a free and confidential auto insurance quote.

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