May 19, 2018

Auto Insurance

WHAT WE DO...

Car insurance that comes with lots of discounts which means lots of savings for you!

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We specialize in finding you the right auto insurance to fit your life style and budget. Free quotes for everyone. We can get you the auto insurance documentation you need to keep you driving legally in NC. Documents such as DL-123, FS-1, FS-4, and non-owners operators policies.

Car Insurance Coverage

LIABILITY INSURANCE

Liability insurance covers you while you drive your car if you are in an accident. Here is an instance where, your liability insurance will pay for  injuries you caused to others. Such injuries include bodily injury (BI) and property damage (PD).

COVERAGE

State minimum for auto liability insurance coverage in North Carolina starts at $30/$60/$25. This means $30,000 per person in the accident, $60,000 total per accident for bodily injury (BI), and $25,000  total for property damage for the accident.

Deductibles and Full Coverage Insurance

PD-BI

If your car is being financed by a bank you will need to get physical damage (PD) insurance also known as full coverage insurance for your vehicle. Physical damage insurance includes collision and other than collision, also known as comprehensive coverage. When full coverage insurance is purchased you will need to decide how much of a deductible you will need. For example, deductibles run as low as $0 per accident to as much as $1,000 per accident. Lowering your deductible could possibly result in a higher your auto insurance premium will be; and the higher your deductible the lower your auto insurance premium will be.

DEDUCTIBLES

Therefore, we help you determine what deductibles you should choose based on how much you can afford because our goal is to save you as much money as possible. However, keep in mind that industry standard is $500 deductible.  Another thing to keep in mind is your finance company may have preset limits for your deductible and may not allow you to choose a higher limit.

A $500.00 deductible means that when you are in an accident you pay the first $500.00 toward the property damage, and then the insurance will pay the rest. For instance, if it cost $3,500.00 to repair your car, you will pay $500.00; and then insurance company will pay $3,000.00.

Capital Insurance Agency of Raleigh, LLC

4104 Atlantic Avenue, Suite # 142

Raleigh, NC  27604

Phn:  984-239-5522  | Fax:  919-882-9802

bgarrett@ciarinfo.com

www.CIAR-info.com

GET IN TOUCH...

To arrange a consultation or workshop, send us a message.

Success is here to stay, we help you succeed at life, work, your business, and while you play.

We are here for you!!