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Auto Insurance in Hickory, North Carolina

Auto Insurance in Hickory, North Carolina

Being in a car accident is stressful, but you will find comfort in having Romeo Heatherly Insurance Services in your life. Our business is there for you when you need us, and we will help keep the claim process running smoothly, so you can get back to life.

Independent Insurance Agency Who Works for Everyone:

  • Are new or experienced
  • Have squeaky-clean or blemished driving records
  • Have excellent or not-so-great credit scores

Deciding on what Insurance Agency is right for you?

One of the biggest advantages of working with an independent insurance broker, such as Romeo Heatherly Insurance, is that we work with multiple insurance companies and will shop around until we find the perfect carrier and coverage for you.

If you’re buying insurance for the first time, or you’re curious to see if you have enough coverage to meet the needs of your lifestyle, we have a local agent who can provide an insurance quote and would love to help you understand the various types of coverage that are available and how certain things, such as deductible options, can affect your overall premium.

Saving customers on direct auto insurance for many different vehicles that we can help you obtain coverage:

  • Cars
  • SUVs
  • Trucks
  • Antique vehicles
  • Motorcycles
  • Motorhomes
  • Sports cars
  • ATVs

Independent Agents Meeting Insurance Needs in Hickory, North Carolina

Independent Agents Meeting Insurance Needs in Hickory, North Carolina

North Carolina law requires all vehicles with a valid North Carolina registration to have continuous car insurance provided by an insurance company licensed to do business in the state. The law also requires coverage for the following: minimum bodily injury property damage limits and uninsured or underinsured motorists.

The basic financial coverage is as follows:

  • Bodily Injury (one person) - $30,000
  • Bodily Injury (two or more people) - $60,000
  • Property Damage - $25,000

North Carolina strictly enforces their insurance laws, and your insurance company is required to notify the state if insurance has been canceled or if coverage lapses. If you’re caught driving without insurance, the penalties and fees can be extremely costly, and we know you want to save money with an insurance agency that has local agents.

Insurance Discounts Hickory, North Carolina

While each provider is different, some of them will offer savings that can help lower your premium. Here are a few of the many kinds of that save money on the cost for existing customers in Hickory, NC:

  • Good Driver Discounts

     This type of discount is usually extended to drivers who have a good driving record.

  • Accident-Free Discounts

    Some insurance companies will offer a discount to those drivers who have not had a single accident on their record.

  • Homeowner Discounts

     These types of discounts are offered to anyone who owns a home or property.

  • Good Student Discounts

    Young adults generally have higher insurance rates than people over the age of 25. Some companies will extend a discount to students who have a good grade point average, but overall rates vary greatly.

  • Military & Veterans

    A handful of insurance companies will offer a discount to military members and veterans. Be sure to let your insurance broker know that you are current or ex-military when you provide them with your personal information.

Local Agents with Options for Car Insurance Hickory, NC

Local Agents with Options for Car Insurance Hickory, NC

We know that rates vary greatly, and we are all about how to save money for our customers, so we are local agents in Hickory, NC who are here with a quick quote and stand behind all our products or services. We have multiple companies to serve you with Nationwide, Utica, AAA, Progressive, Hagerty, and more for your car insurance. To pay your bill online, click the icon to be directed to their website.

*Statements on questions below and throughout this site are not intended to provide investment, legal, or tax advice.

Do I need full coverage or just liability if I bought a new car?

If you leased or financed your car, there is an excellent chance that you need full coverage. Keep in mind that even if you’re not legally obligated to carry full coverage, you should consider the price of extra coverage. If an uninsured motorist hits your car and you don’t have uninsured motorist insurance, you’re the one who will pay the repair and/or medical bills. Call today to have an insurance quote from an insurance agency that cares about saving you money. 

How are auto insurance rates in North Carolina determined?

There are several factors that auto insurance companies take into consideration when providing you with a quote. They can include:

  • Age
  • Marital status
  • Driving record
  • Type of car you drive
  • Credit score
  • Zip code where you live
  • How you will use the car
  • Prior liability limits you have carried
  • Prior rating

Will my credit score affect my car insurance rates?

Yes! Your credit score affects the rates of your car insurance in NC. Even if you have poor credit, contact us and we’ll be able to find you coverage.

Will my credit score affect my North Carolina auto insurance rate?

It most certainly will. In addition to affecting your auto insurance rate in North Carolina, it will also affect your homeowner’s insurance rate in Hickory, NC as well. If you have poor credit, reach out to us regardless, as we have options available.

Why is my monthly auto insurance rate lower than my friend who lives two towns over in NC?

There are many things that can affect your auto insurance rates in North Carolina:

  • Age
  • Driving record
  • Type of car you drive
  • Credit score
  • Zip code where you live
  • Prior liability limits you carried affect your rate
  • Prior insurance carrier, when shopping for new insurance some companies rate you based on if you were with a standard agency and who the company was
  • Multi-policy discount for having home or renters

We work very hard to find you the best possible auto insurance rates and coverage based upon your individual needs. You can rest assured that we will shop around and find an agency that is willing to work with you.

How do I get more savings?

Going to a direct auto insurance company is one way to ensure you don't save. When looking for an agency, make sure they are an independent insurance agency that will treat your family as their friends. When looking for protection an independent agency is a great option. Not only are we affiliated with most of the major providers, but our team works to make sure you have comprehensive protection on all your policies. 

Can I bundle all my insurance needs with you?

Yes, whether you're looking for affordable car insurance, homeownerslife insurance, or business insurance we have an agent who can protect all your family coverages. 

What all areas do you offer service?

We cover all the Carolina's. From Hickory, NC to Wilmington, NC, we have you covered, and anywhere in-between like granite falls too. We want to save your family on the price of insurance by offering service with a team of professionals. 

Do you offer medicare supplement insurance?

No, we tend to stay away from the headache of health insurance altogether. However, our insurance agency can offer you any of the following services:

  • Business Insurance
  • Life Insurance
  • Car Insurance
  • Homeowners Insurance

Will I have the support of agents for my account if I switch to Romeo Heatherly Insurance?

Yes, you will have an agent who specializes in each area of your insurance needs in NC with our business. We are only a phone call away or you can visit our office in Hickory, NC. Our goal is to save you money while we aim to protect your future. We will search for the best rate and provide support as you've never seen in Hickory before. Contact us today or fill out of form online and we will be in touch ASAP!

Do you offer annuities in Hickory NC?

We want to offer our customers a comprehensive list of options for their insurance needs. We will look at cost-saving measures and you can request any service at our hickory office. We do not offer annuities at this time, but we may in the future at our business. Here is a list of services we offer in Hickory and throughout the southeast:

  • Business Insurance, Hickory NC
  • Life Insurance, Hickory NC
  • Car Insurance, Hickory NC
  • Homeowners Insurance, NC