If you are in an auto accident, having the right car insurance policy will get you back on the road quickly if your car has been damaged or totaled by accident, fire, theft or other covered events.
You also want to have the right policy to protect you from medical and legal expenses in the event of an auto accident resulting in medical and legal expenses from injury, loss of life, and/or property damage.
HOW CAR INSURANCE WORKS
When you get automobile insurance, you have a contract between you and your insurance company. You agree to pay a premium (weekly, monthly, quarterly, or yearly) and the insurance company agrees to pay for specified auto-related monetary losses during the term of the policy while it is in force. Brown Insurance Group works with you to help you find the BEST automobile insurance coverage that is BEST suited specifically for you.
Car Insurance can cover more than just cars!
With Brown Insurance Group you can obtain insurance for just about any type of vehicle.
- Classic Car
- Motor Home, RV
- Jet Ski
Contact Brown Insurance Group for a quote or more information about insuring your vehicle today!
How Much Auto Insurance Do You Need?
The amount of car insurance needed varies from person to person. This is partly determined by the vehicle, particularly the value of the vehicle, age and sex of the driver and more. Brown Insurance Group understands the auto and car insurance needs of our customers and can determine the right amount of coverage for you.
Typically, North Carolina automobile insurance quotes include the following coverage types:
- Liability Insurance – this provides coverage for property damage and injuries to other people caused by you while you were operating your vehicle.
- Medical Insurance – this provides medical coverage for drivers and occupants of insured vehicles.
- Collision Insurance – this protects the insured from loss resulting from a collision with another vehicle.
- Comprehensive Insurance – this provides coverage from damage caused by events that are not covered by vehicle collision (such as acts of God).
If you wish to finance your car, you will likely be required to have insurance which covers damage to your vehicle. These types of insurance can include:
If you are in a car accident and your car sustains damage, collision insurance pays for repairs to your car. Standard collision insurance typically pays for repairs up to the fair market value of your car. Collision insurance also usually comes with a deductible, which has to be paid before the insurance proceeds can be paid out to the insured. You can choose the amount of your deductible – the higher the amount of your deductible, the lower the amount your premiums will be.
Comprehensive automobile insurance is similar to collision insurance. It not only pays for repairs to your car, it also covers damages that were not caused by collision. For example, damage caused by vandalism, flood, hurricane, theft, fire, “acts of God” or windshield damage are usually covered by comprehensive automobile insurance.
Like collision insurance, comprehensive insurance will pay up to the fair market value of your car, after you pay your insurance deductible. In most cases you will need comprehensive car insurance in order to finance a car.
Every person is unique – along with their cars. Contact Brown Insurance Group today to get the best price and policy on your auto insurance.
Brown Insurance Group has quickly become the favorite independent insurance agency in the Raleigh, NC area partly because we offer car insurance from various insurance companies. Why? Because everyone’s car insurance needs are different and each car insurance company we represent has strengths in certain areas, allowing us to match the right insurance company for each or our clients. Not only can we find the best price for our clients, but we can also find the best policy for the price.
This is what separates us from others. We compare plans from a variety of car insurance companies and can present you with your options. Sometimes one car insurance company has the best rate for one of our clients and a different car insurance company has a better rate for a different client. There is no company that provides the best rate and policy for everyone. That is why we will shop around for the best rate for you.
Once your policy is issued, we will provide you with your DL 123, SR 22, FS 1, and FR 2 forms required by NC.
We offer the best Raleigh, NC insurance rates for drivers with no points with our incident-free discounts.
We also offer the best Raleigh, NC auto insurance rates for those who have not-so clean records. This can include drivers with a
We also offer North Carolina non-owners insurance (also known as named-operator insurance) policies for drivers who are in the process of getting their license or who don’t have a car.
Whether you have no experience driving or several years of driving experience, we have a policy for you.
You can rest assured that when you call us you will not reach a recorded message requiring you to go through a lengthy menu before you are able to speak with the “next available representative.” Whenever you call us, you will speak with the same person. Our services won’t stop after you get your policy through us. Brown Insurance Group continually strives to provide you with excellent service as long as you are our customer. When your insurance comes up for renewal, we check with our insurance carriers to make sure that you continue to be offered the best North Carolina automobile insurance rates available to you. So if you are in the market for Raleigh, NC auto insurance, please call us at (919) 570-3200 and start saving today.