Auto
Insurance

When you’re buying car insurance, you want three things – the best coverage at the best rate backed up by the best service. Easy, right? Well, it can be when you let our licensed car insurance experts here at the Tom Needham Insurance Agency tackle this task for you. Give us a little basic information and then just turn us loose. We’ll provide you with a selection of competitive car insurance quotes from some of the top car insurance companies in the country, such as Progressive, Safeco, Travelers, State Auto, MetLife, American Reliable, Foremost, Dairyland and more. Just a few minutes of your time will produce the choices you need to get the perfect policy for you and your family, and at a rate you’ll appreciate every time you pay your premium.

Auto Insurance

What We Can Do For You

In addition to providing you with an accurate multiple-choice car insurance comparison, the car insurance experts here at Tom Needham Insurance Agency are all about serving our clients with the information they need to both understand their various policy options and make educated choices regarding what’s best for their specific car insurance policy needs. Vehicle insurance policies can offer a wide array of coverage options as well as a long list of potential discounts for which you may qualify. We want you to understand all of these options and will assist you in determining what’s best for your specific needs.

Frequently asked questions
about car insurance in North Carolina

Are you unclear on some of the facts, legalities and procedures surrounding auto insurance in North Carolina? Here are answers to some of the most common questions.

This depends on the kind of coverage you buy. A car insurance policy can provide the basic minimum coverage required by state law, or it can be far more comprehensive and make provision for whatever risks you choose. Coverage can include liability insurance, personal injury protection, uninsured and underinsured motorist coverage, collision coverage, comprehensive coverage and more.

Comprehensive coverage provides protection against costs incurred when your vehicle is damaged by any event outside of your control, such as weather events, theft, vandalism and hitting an animal while on the road.

North Carolina law does require you to buy uninsured motorist coverage. There is no legal requirement with regard to underinsured motorist coverage. However, it is advisable to take it. It will provide bodily injury protection in an event where an at-fault driver’s liability coverage is not sufficient to cover these damages.

Yes, your policy will satisfy the requirements of other states. Liability policies include a ‘broadening clause,’  which ensures that the provisions of your policy are valid in other states, including no-fault states.

North Carolina is a fault state when it comes to insurance claims, meaning it allows insurance companies the right to deny payment on the basis of who is at fault in an accident. The broadening clause in your liability policy will make provision for travel into no-fault states, however.

Your insurance company has 30 days to pay your claim as submitted, offer an alternative settlement or deny the claim, or advise you in writing that the claim is still being investigated. Once a claim is settled, the insurer has ten days to make payment.

Why Choose Us as Your Car Insurance Broker

Having our team of local expert insurance agents serving you here in North Carolina’s Triad region presents several benefits besides great coverage at great rates from some of the nation’s top car insurance companies. Consider:

Get The Best

Here at Tom Needham Insurance Agency we’re independent insurance agents. We owe allegiance to no particular insurance providers and have no motivation to push any one policy in your direction. Our only allegiance is to you, the customer, with the goal to find the best coverage to fit your needs and your budget.

Let the team at Tom Needham Insurance Agency do the shopping so you can sit back, relax and have the right car insurance coverage delivered straight to you.

Call us now at 336-855-1223 or contact us for an insurance quote online and one of our agents will be in touch with you shortly.  

Tom Needham Insurance Agency – Offering You Better Prices and the Best in Service!