A Local Guide by All Graham Insurance Solutions
If you own a car in Charlotte, you already know how important auto insurance is — but finding the right coverage at the right price can be confusing. At All Graham Insurance Solutions, we help North Carolina drivers understand their options so they can protect their vehicles, families, and finances with confidence.
Here are five essential things to know before buying auto insurance in Charlotte, NC.
1. North Carolina Requires Minimum Auto Insurance Coverage
Every driver in North Carolina must carry liability insurance to cover damages or injuries you may cause in an accident.
Minimum state requirements include:
- $50,000 for bodily injury per person
- $100,000 for total bodily injury per accident
- $50,000 for property damage
However, these are only minimums — and may not be enough to fully protect you in a serious accident. We help our clients find coverage levels that provide real protection, not just legal compliance.
2. Comprehensive and Collision Coverage Protect Your Vehicle
While liability insurance covers other people’s expenses, comprehensive and collision coverage protect your own car.
- Collision: Covers damage to your car after an accident, regardless of fault.
- Comprehensive: Covers theft, fire, vandalism, weather damage, and hitting an animal.
If your car is new, financed, or valuable, these coverages are essential for peace of mind.
3. Bundling Can Save You Money
Did you know you can save up to 20% or more when you bundle your auto insurance with other policies? Combining your auto, homeowners, or renters insurance under one agency can lead to significant discounts.
👉 Learn more about bundling home and auto insurance in Charlotte.
4. Your Driving Record & Credit Score Affect Your Rates
Insurance companies use your driving history, age, location, and even credit-based insurance score to determine premiums. Safe drivers with good credit often qualify for lower rates.
If you’ve had tickets or accidents in the past, our team can help you find carriers that specialize in high-risk auto insurance without breaking your budget.
5. Local Agents Offer Better Service & Support
Online quotes can be tempting, but they often miss local details that affect your coverage. Working with a local independent agency like All Graham Insurance Solutions means:
✅ Personalized guidance
✅ Access to multiple carriers for better rates
✅ Help with claims and coverage adjustments
We’re your neighbors — and we’re here to make sure you’re covered properly, not just cheaply.
Ready to Review Your Coverage?
Whether you’re shopping for your first policy or reviewing your current one, All Graham Insurance Solutions can help you find the best auto insurance in Charlotte, NC — tailored to your needs and budget.