Author: AgentInsure

Cross Creek Insurance Agents ready for help 24*7 in Hope Mills, NC

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Insurance is in place to protect you from having to pay out of pocket when unexpected situations arise that would otherwise cost you a significant amount of money. When you sign up for an insurance policy, such as one protecting your house, you set up coverage against a number of specific situations. Common insurance coverage for homeowners insurance includes protection against natural disasters, flooding, fire, theft, and accidents on the property.

When one of these situations occurs, you have to file a claim with the insurance company. Depending on the type of claim it is, you may need to take photographic evidence of the damage and document it. An insurance claims adjustor comes to look at the damage to your car or house. We send them out to make sure that the damage estimates are accurate, so that the claim is processed as quickly as possible.

The longer it takes for a claim to get processed, the longer you have to take before you get to return to the normalcy of your life. You don’t want to have to go without a car or to have to deal with house repairs for any longer than you need to.

Another important aspect of insurance is to go with a company that understands claims may occur at any time of day or night. We always have someone available in the office to talk to you after an accident or problem occurs. 24/7 availability for our agents is an important part of the service that we offer you. Our insurance agents in Hope Mills, NC are always happy to help.

What is The Penalty for not Having Auto Insurance in Lexington, NC ?

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All drivers in Lexington, NC are required to maintain the state’s minimum levels of coverage for bodily injury, property damage and uninsured motorists. Anyone who has a lapse in coverage, and therefore does not meet the state’s minimum standards for a period of time, is subject to a penalty. The penalty is determined by how many lapses there have been in the previous three years and the duration of the current lapse.

What Happens When You Have a Lapse in Coverage

When you have a lapse in coverage, your auto insurance provider is required to notify the department of motor vehicles (DMV) in North Carolina. The DMV will then send you Form FS 5-7, which you must complete and return within 10 days. When submitting this form, you will need to provide proof that you have a current insurance policy and pay the appropriate fine.

The Fines and Fees

In North Carolina, the fines assessed are primarily determined by the number of previous lapses you have had in recent years. In any given three-year window, the first fine is $50. After your first lapse, the fines increase to $100 and then $150 for the second and third offense. Failure to submit this payment within 10 days results in increased fines.

Should you fail to return Form FS 5-7 with the appropriate documentation and payment within 30 days, the DMV will revoke your license plates. When you apply for new ones, you will have to pay the original fine, any late fees, a $50 service fee and the fee for new license plates.

Find Insurance Immediately

The first step to recovering from a lapse in insurance coverage is to immediately find new insurance. You can use our online tool to shop around and find a new policy today. If you need help with the DMV’s paperwork, call our agents for assistance.

Compare Cheap Car Insurance Quotes in Huntersville, NC

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A car is a necessity in many parts of North Carolina, especially Huntersville, NC. You don’t have a lot in the way of public transportation, so you need rock solid insurance that isn’t going to let you down when you need it most. One of the most important features to look at with car insurance is to confirm that the monthly premium is at a rate you can afford consistently on a long term basis.

There are a few ways to get cheaper car insurance. One of the first ways is to look at comparative quotes from several insurance providers. While you can get this information on your own by contacting each carrier individually, but you won’t get the best deal. Instead, contact our independent agents so we can get in touch with the carrier for you. We have worked with the major carriers before, and they know that we talk with multiple companies before we write an insurance policy. Therefore, we get more competitive quotes than an individual talking to each company.

You can also adjust the level of coverage you get to the minimum instead of holding as much coverage as possible. Liability is the required insurance level in North Carolina, and if you cut out collision and comprehensive coverage you cut down the amount you pay monthly. However, this does mean that if you are in an at fault accident, that you aren’t going to have financial coverage for your repairs.

Deductible adjustment is another way to cut down the amount that you pay for insurance. The higher you set your deductible, the less you pay per month. Talk to our independent insurance agents in Huntersville, NC to get your free online insurance quotes.

Does Smoking Cigars Affect Life Insurance Rates in Hope Mills, NC?

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Tobacco may no longer be as important to the North Carolina economy as it once was, but plenty of people still smoke cigarettes or like to enjoy a good cigar. Cigars, like cigarettes and chewing tobacco, have been scientifically proven to be bad for your health. You can still purchase a life insurance policy if you smoke, but your rates will almost certainly be higher than if you did not smoke.

It is often the case that you will need to undergo a physical exam before you can buy a policy that insures your life. The exam can be as simple as a nurse coming out to your house to check your weight, blood pressure and other vital signs. You might also be sent to a facility to have blood drawn and to give a urine sample. The insurance company wants more than your word to determine your general health before they approve your application for a policy.

Insurance companies want to know as much about you as they can before they insure your life. They want to know if you engage in risky behavior like sky-diving or swimming with the sharks. They want to know if you smoke cigars because that can lead to cancer, emphysema, or other life-shortening diseases. Whether you are buying a term-life or whole-life policy, insurance companies make money the longer the insured lives.

If you are young and in excellent physical condition, smoking an occasional cigar will probably not raise your life insurance rates. When the results of your urine test are received by the insurance company, they will see how much nicotine you have in your system. If you only smoke cigars for special occasions like the birth of a baby, you probably will be below the tolerance set for nicotine.

While smoking a cigar is still legal and your own personal choice, if you want to keep your life insurance rates down, you may also need to put down your cigar. Contact us today to learn more about what might affect your life insurance rates.

Get Raeford, NC Car Insurance from Cross Creek

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If, by any chance, you are not old enough to have experienced this yourself, ask your parents to tell you about what it took to buy an insurance policy a decade ago. If you were new to town you would frequently find yourself calling agency after agency, looking for coverage and a price that would fit your needs. If you were lucky enough to have a strong relationship with an insurance agent, you would sit in his office or he would come to your home, review your options (which were somewhat limited) and before the meeting ended you would commit yourself to a policy that may, or may not, be right for your family.

Boy, how times have changed. People buying home and auto insurance in Raeford, NC these days have it relatively easy. You can simply go on our website, answer a few simple questions, and receive a number of comparable quotes, each designed to give you options.

No one wants to need insurance, but we all do. We can’t go through life unprotected, given the number of things that can go south. A storm blowing through can take the shingles off the roof of your house or blow a tree over on your garage. A simple fender bender can cost thousands to repair, far more than you might guess by simply inspecting the damage.

We’re here to make sure that you are never alone when trouble finds you. Although our home and auto quotes are online, we are still only a phone call away when you have questions or a problem arises. We can also help you find the best coverage for your RV, motorcycle or boat. In other words, we help protect any material items that are of value to you.

For more information, give us a call.

Fort Bragg, NC Auto Insurance Online

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It is the simple things life that seem to bring the most joy. Sure, those things frequently involve the people you care about, but on occasion joy can be found in something as simple as saving time. Our agency knows how busy you are, how little time you have to shop for homeowner and auto insurance. We have found a way to make it easier by offering online quotes.

We want you to know that we’re proud of this for a couple of reasons. Not do online quotes value your time, but they also make it possible for you to study different policies from home, at your own convenience. You have time to look at several options and figure out which one offers the coverage you need at a price you can afford.

When it comes time to buy NC auto insurance in Fort Bragg, you will see that you have a variety of options. If you are of a certain age you likely remember sitting down with an insurance agent and being told which policy you needed and how much you were going to pay. There was no opportunity to compare several policies side-by-side and make an informed decision on your own.

As an agency, we still take pride in providing you with professional service and an agent you can call if an incident should occur. We’re also here to personally answer any questions you might have. Online quotes simply allow us to offer you another way to determine the coverage that is best for you and your family.

And it’s not just auto and home insurance we offer. If you are looking for renter’s insurance, or coverage for your motorcycle, boat or RV, give us a call. We’ll help you sort through the options and to find a policy that is perfect for your needs.

Eastover, NC Home Insurance Options

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After buying a home in Eastover, NC home insurance is a necessary part of protecting your property. In many cases, your mortgage lender will require that you purchase some coverage for the house, but the exact requirements that your lender sets and the options that are available can vary.

Standard Plans

The basic policy for a house will usually cover against common problems that may arise. It will pay for damages to the interior or the exterior of the house. In most cases, you can also replace personal belongings and even make a claim for the hotel expenses when you cannot stay in your house due to the damages.

Although you can purchase additional coverage for specific needs, the basic policy is usually enough to handle most of your concerns. You should be careful to read the plan before determining that it is appropriate, since policies can vary and the best option can depend on your concerns.

Replacement of Personal Belongings

Using the value of your house as a basic detail, you can usually claim a percentage of that value or the total policy amount to replace personal belongings that are lost in a covered situation.

Depending on the plan, the amount that you can expect will vary. An actual cash value plan will usually only pay for the item after calculating the depreciation rates, so the amount that you are provided is usually less than the cost of replacing the item. Replacement value plans will pay for the total cost of replacing a particular item.

There are options available to protect your house from common risks, but most homes will need a standard plan to protect against potential concerns. To learn more about protecting your property and assets, contact us to talk to an agent today.

Compare Insurance Quotes Online

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It’s a great time to be alive, especially when it comes to dealing with day to day errands that used to take up a huge amount of hours during the week. Driving back and forth from the grocery store, utility offices, and insurance offices took a lot of work and time back in the day.

Today, you live in a digital age where there’s no reason to be stuck in traffic or sitting on hold at all hours of the day. You have your own life that you have to go live, and getting stuck trying to figure out where North Carolina insurance agents are is no fun. Instead of dealing with that hassle, it’s time to look at the benefits of comparing insurance quotes online.

You don’t deal with high pressure insurance salesmen or a solicitor when you want to know how much insurance is going to cost you. Instead, you look into an online quote engine that allows you to compare quotes from multiple insurance companies. That’s one of the best benefits of going through an independent agent, since they know how to find you the best deal or the most options, instead of sticking you with a single point of contact that may not be the best for you.

These agents have processed plenty of applications, so they have seen similar situations and know the perfect companies for you. This is especially useful if you have a particularly complicated insurance situation and no single player option is going to truly help you out.

Find out the insurance options available to you in Eastover, North Carolina by getting in touch with North Carolina insurance agents and getting your insurance quote comparison online.

Raeford, NC Insurance Agency

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Working with a Raeford, NC insurance agency can help you find the best policy for your situation and the assets that you own. An agency is an independent company that helps you compare your rates and provides the professionals that you need to find the best policy for your goals.

Ways of Finding Policies

Depending on the insurance policy that you are considering, the method of finding out more information and comparing your options can vary. For a house or car, you can quickly compare quotes and policies by using online tools. You can also talk to an agent over the phone if you are not comfortable with the online tools or if you want to ask questions.

For other forms of insurance, talking to an agent over the phone can help you find the policy that you need. An agent will ask a variety of questions to understand the policy that is most appropriate.

Saving on Coverage

The key reason that an agency can help is by providing the information that you need to make an educated decision. Your assets can have a variety of coverage options available, but the plan that is best for your situation and your goals can depend on several factors. Recognizing your options can help you narrow down the choices so that you can get the best rates.

Saving on your coverage can take two forms: finding the lowest rates and providing information about discounts that may apply to the asset. The information is just as important, since discounts and promotions can vary.

An agency gives you an edge when you are looking for a policy. Compare the options that are provided and select a plan that focuses on your goals. Call today to talk to an agent and learn more about insurance policies that can protect your belongings.

North Carolina Insurance Coverage

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North Carolina has one of the most ecologically diverse areas to travel through, with ocean front, mountains, and near tropical biomes. When you’re driving around and enjoying all of the sights that North Carolina has to offer, you want to keep the state’s requirements in mind for auto insurance coverage. Otherwise, the North Carolina insurance rules mean that you get points on your licenses or a fine if you don’t have it.

North Carolina requires you to hold liability insurance on your car to meet the legal requirements of the state. Liability insurance means that if you have liability financially in an accident, the insurance pays for your costs instead of you trying to pay tens of thousands of dollars out of pocket because of an accident. Likewise, the person who hits you in North Carolina would have their insurance pay out due to their liability in the accident.

Liability insurance often comes with a rider that accounts for uninsured motorists as well. While it’s legally required to have insurance in North Carolina for your car, some people will drive around without it and only deal with the issue when they get caught. Your liability insurance has uninsured motorist riders that help to pay for the damages, both physical and medical, caused by these drivers.

Looking for insurance in North Carolina? One of the best ways to find out what options you have available is by getting in touch with an independent agent and using their online quote system so you get all the quotes you need without spending a lot of time on the process. There’s nothing quite like finding out how much insurance is going to cost you when you don’t even have to get out of bed or pick up a phone to start the process.