Insurance
Auto Insurance
Coverage that holds up when the accident is not your fault — or when it is.
Most people overpay for car insurance because they bought it once and never looked again. We are independent, which means we run your profile through every carrier we represent and show you what each one actually costs. If your current policy wins, we will tell you that too.
What we can put on your policy
- Liability
- Pays for the injuries and damage you cause to others. Every state we serve requires it.
- Collision
- Repairs your own car after an accident, no matter who was at fault.
- Comprehensive
- Theft, vandalism, hail, flooding, and the deer that came out of nowhere.
- Uninsured & underinsured motorist
- Covers you when the other driver has no insurance or nowhere near enough.
- Medical payments
- Your own medical bills after a crash, regardless of fault.
- Roadside assistance & rental
- Towing, lockouts, and a car to drive while yours is in the shop.
- SR-22 filings
- We file directly with the state when a court or the DMV requires proof of coverage.
We are especially good at
- Drivers who were just told their rate is going up at renewal
- New drivers and teens being added to a family policy
- Anyone who needs an SR-22 or FR-44 filed quickly
- Drivers with a ticket, an accident, or a lapse in coverage
- Households with more than one car and more than one driver
- People who want the policy explained in Spanish, in plain language
North Carolina raised its minimums in 2025
Every policy issued or renewed after July 1, 2025 has to carry at least 50/100/50 in liability, with uninsured and underinsured motorist coverage matching. If your premium jumped at renewal, this is usually why.
What North Carolina requiresWe shop these carriers for you
We are an independent agency. We are not tied to one company, so we compare and bring you the best fit.
Carrier names and logos are the property of their respective owners. Availability varies by state and by risk.
Common questions
Can I get insurance without a Social Security number?
Yes. Several of the carriers we represent will write a policy using an ITIN or a foreign license. Bring what you have and we will find the market that fits.
How fast can I get proof of insurance?
Usually the same day. In most cases we can bind coverage and email you an ID card while you are still on the phone with us.
What is an SR-22 and do I need one?
An SR-22 is a form your insurer files with the state proving you carry the required coverage. Courts and the DMV order it after certain violations. If you need one, we can file it — ask us and we will confirm what your state requires.
Will switching mid-policy cost me money?
Rarely. Most carriers refund the unused portion of your premium. We check for cancellation fees before you commit, and we tell you if switching is not worth it.
What our clients say
4.9 · 301+ Google reviews
“This place is fantastic. They found me a much better rate than what I was paying and actually took the time to explain what each part of the policy meant.”
“I needed a certificate of insurance the same morning to start a job and they had it to me within the hour. They have handled my taxes for three years now too.”
“My rate went up at renewal and nobody at my old company could tell me why. These folks shopped it and put me with a different carrier for less than I was paying before.”
Talk to a real person today
No call center, no scripts. You get someone in the Raleigh office who can pull up your policy and answer the question.