Your automobile is an asset that is used nearly every day. Whether you are driving to work, carrying the kids to practice, or escaping reality for a weekend getaway, it’s there to take you to your destination hassle free. But what do you do when the unfortunate happens? Having a good auto insurance policy is crucial in getting life back to normal in the event of an accident or any other damage to your automobile.
There are two parts to an auto policy: liability coverage and physical damage coverage. Liability coverage protects you when you are responsible for another party’s bodily injury or damage to their property. In North Carolina, the minimum required limits for bodily injury are $30,000 per person/$60,000 per accident and $25,000 for property damage.
At Triangle Insurance, we like to educate our customers on why state minimum limits are rarely enough! We always recommend carrying limits much higher than the state minimum. The higher your liability limits, the more secure you can be for your financial responsibility for an accident.
The second part of an auto insurance policy provides coverage for physical damage to your vehicle. Unless your vehicle is financed, this can be an optional coverage. Physical damage coverage consists of two parts: other than collision (also known as comprehensive) and collision. Other than collision coverage helps pay for loss of or damage to an insured vehicle not caused by a collision or vehicle rollover.Examples of this include coverage for damage from fire, hail, theft, vandalism or hitting an animal. Collision coverage on a policy pays to repair damage caused by collision with another vehicle or stationary object. Collision insurance can also help if someone or something else hits your car while it’s parked. Other than collision and collision coverage comes with deductible options. The higher the deductible you choose, the lower your premium will be.
Some companies also offer additional features such as accident forgiveness, replacement cost coverage for new cars and roadside assistance.
Although seemingly simple, an auto policy can be quite complex. Stop by one of our North Carolina offices (Louisburg or Kinston) today to receive free counsel on finding the best auto policy for you, or give us a call at 919-496-2239!
I wanted to write a note of "Thank you" to the entire Triangle Insurance staff for the level of customer service that you all provide! Your attention to detail and professionalism truly separates you from the competition, as you tailored a policy to fit our needs with better coverage along with saving us money. Triangle Insurance really cares about their client and it shows in the way that you operate in business!
Triangle Insurance and Associates has been handling my insurance for the past few years. Last year, Jordan called to let me know she had shopped around for me after seeing that my family's premium for our coverage on our home and vehicles had been increased at renewal. She told me she found that she was able to save us several hundred dollars in premium for the same coverage by switching to a new carrier and had gone ahead and sent me the paperwork. Jordan did all this before I even opened the renewal letter showing the increase. This is the kind of service I have gotten used to since working with JM, Jacob and the rest of the good people at Triangle. They are friendly, knowledgeable, and great with communication. Several of my friends and clients have called to thank me for referring them to Triangle for their insurance.
Living and working 3 hours from home is a challenging task. Having an insurance company that reacts quickly and accurately when needed while looking out for my best interests is invaluable for a busy salesperson like myself. I have been a customer from day one and will continue to trust Triangle Insurance and Associates with all of my insurance needs moving forward.
I am very pleased with Triangle Insurance & Associates. JM & Jacob helped me & my wife get new life insurance policies. They found me better insurance at a lower price. They are honest, reliable, knowledgeable and have a tremendous work ethic. We are very pleased.
I have both my business and personal insurance with Triangle Insurance. The principal and staff are most timely and efficient with all transactions and I highly recommend them for any insurance needs.
We have several Companies that we manage and own. At first we were slightly apprehensive about letting this young company and young men handle our insurance needs. We soon learned that our apprehension was unfounded. During one of the hurricanes we had extensive damage to one of our rental homes. Triangle Insurance was on the scene even before I was. We were extremely pleased with the way the claim was handled and the professionalism of Triangle Insurance. We have had several claims after the hurricane damage that Triangle Insurance has handled the same way. My only regret is that we didn’t find Triangle Insurance sooner. Now we have much better coverage than before and the savings of about $25,000.00 per year is an added bonus. I would highly recommend Triangle Insurance for any and all insurance needs.
I would recommend Triangle Insurance to anyone who has an insurance need whether it be commercial or personal. They are all professionals and always there when needed. J.M and Jordan assisted me through the process and accommodated all of my needs quickly. I look forward to continued business with Triangle Insurance.
Jacob, J.M, and the entire Triangle Insurance & Associates staff have always been extremely helpful and responsive to all of my various insurance needs. They take the time to find custom solutions rather than offer cookie-cutter options that may leave me either over-insured or, even worse, vulnerable to liability. I highly recommend Triangle Insurance & Associates to anyone looking to add new coverage and especially to those who are not 100% satisfied with their current rates or representatives. You won't be disappointed!
We were referred to Triangle Insurance, but were a little skeptical since the guys were so young and the agency relatively new. But after our initial meeting, we were confident that they could do the job, and they have. They have been on top of things since the beginning and we would highly recommend them.
I cannot say enough good things about Triangle Insurance & Associates! JM and Jacob are great to work with and their office staff is very knowledgeable and friendly! They have saved me money on all my policies that I have with them and I do not mind recommending them to anyone for all their insurance needs. They truly care about their clients and the customer service is outstanding!
When our house burned down in 2013, it was one of the worst experiences of our lives. We had no idea what we were going to do, or even where to start. However, Triangle Insurance & Associates was there the very next day. They were literally there from day one, and continued to assist us through the rebuilding of our home and with putting our lives back together. We could not have done it without their help and support.