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Auto Insurance Information
If you own a car in the state of North Carolina, it is mandatory to have automobile insurance. The minimum required by the state is basic coverage, but it is always better to have a more comprehensive policy. After all, you might be the safest driver in the state, but you cannot control the actions of other drivers on the road, and accidents do happen. If you are not happy with your current carrier and you ‘re looking for the best automobile insurance in Charlotte has to offer, than look no further than Amistad Insurance.
An entirely local company, Amistad Insurance specializes in matching clients with the best Charlotte auto insurance packages. We believe that everybody should have the peace of mind in knowing that their loved ones are well protected. Unlike a lot of other insurance companies that give clients the hard sell on cut-rate insurance, we prefer to give you all of the available options regardless of price. Our goal is to make sure that you understand your insurance needs and choices thoroughly before you make any decision.
The market for auto insurance in Charlotte, NC is highly competitive and there is a bewildering array of companies and policies to sift through. There are many factors that affect the rates and policies you can get, including your age, driving history, and the type of car you drive. As in most states, auto insurance rates are always higher for new drivers who have little to no driving history or for those who have a poor record. However, the rates for older drivers are lower, especially if the driver is over 55 years of age or a retiree. Keep in mind, though, that the primary decider in terms of insurance rates is an applicant’s driving history, regardless of age. If you can show a history of at least three years of no accidents and no moving violations, then you automatically qualify for lower auto insurance rates.
Charlotte auto insurance rates are also influenced by the type of vehicle you drive. For instance, a car that is newer or more energy-efficient can qualify for lower rates. If your car is equipped with certain safety devices such as anti-lock brakes, a passive all-point restraint system, air bags, and anti-theft devices, you can also get discounts.
Auto insurance rates can vary widely based on the type of coverage you get. While you might be tempted to go with the lowest cost option, you are probably better off opting for a more comprehensive plan. Many insurers offer medical protection and lost income coverage in the event of an accident, in addition to basic coverage. Most insurers will also give you discounts on your insurance if you combine your policy with another one, such a homeowner’s or renter’s insurance policy.
At Amistad Insurance, we are dedicated to providing you with all of the information you need to make the right choice when it comes to auto insurance in Charlotte, North Carolina. Please visit our site, Allstate – Paul Romero Insurance Agency, to get more information on the Allstate products and services we can offer, or feel free to call us at 919-926-7166.