Auto Insurance in Beaufort, NC & Morehead City, NC
Auto insurance is a protection you can rely on to provide financial assistance in the aftermath of unexpected incidents. If you’re involved in an accident, it may cover the cost of repairs for your vehicle and any medical expenses if you’re injured. It may also protect you from out-of-pocket expenses if you damage someone else’s property or injure another person in an accident. Additionally, car insurance can cover theft or vandalism, helping to ensure you’re not left bearing the full cost of these unfortunate events.
Why Is Auto Insurance Important? 
If your car is damaged in an accident and needs repairs, without insurance, you’d have to pay for all the repair or replacement costs out of your own pocket. But if you have auto insurance, the insurance company can help cover these costs, saving you from a potential financial crisis.
Additionally, car insurance can provide coverage if you accidentally cause damage to other vehicles or property, or if you accidentally injure someone while driving. Medical bills and legal fees can add up quickly, and without insurance, you’d be responsible for those costs. Having adequate auto insurance is important because it can protect you financially from these unexpected driving-related expenses.
How Do Auto Insurance Deductibles Work?
An auto deductible is like a co-pay for your car insurance. It’s the amount you agree to pay out of pocket before your insurer begins to cover the costs if something happens to your car. For example, if your deductible is $500 and you have a $2,000 repair from an accident, you would pay the first $500 and your insurance would cover the remaining $1,500.
It’s important to note that the deductible applies each time you file a claim. So, if you have a higher deductible, your monthly insurance payments could be lower, but you will need to pay more if an accident occurs. Additionally, not every type of car insurance coverage includes a deductible. Typically, deductibles apply to collision, comprehensive, uninsured/underinsured motorist and personal injury protection coverages.
Where to Compare Car Insurance
Willis Insurance has the expertise to build an car insurance policy that meets your specific requirements and budget. Contact us today to learn more and get a free auto insurance quote.