2024
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Our Recommended Top 14
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Our goal is to connect people with the best local professionals. We scored Concord Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.
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Providers
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Featured Provider
License: 1000021970
Expertise.com Rating
Why choose this provider?
Serving Concord and the residents of North Carolina since 1992, Charlotte Insurance offers comprehensive services that include home, life, and special events insurance. As residents of Charlotte, the agency is adept at tailoring services that suit the community's specific needs. Assisting vehicle owners, the independent agency provides auto insurance that involves bodily injuries, property damages, collision, and comprehensive coverage. Business-owned vehicles are also handled by the agency with its commercial auto services.
- RV & Motorhome
- Motorcyle & ATV
License: 6561762
Why choose this provider?
Spivey Insurance Group is an independent insurance agency serving Concord clients since 1989. It provides car insurance policies for all types of automobiles like pickup trucks, antique cars, and recreational vehicles. Collision and comprehensive insurance coverages are the common options offered by the agency but clients can also choose to include an umbrella insurance policy for added protection. Add-ons are also provided such as towing and labor, rental car insurance, and repair placement. The agency also offers policies specifically for teen drivers.
- Multiple Carriers
License: 7942255
Why choose this provider?
Travis McCray is an insurance provider from Superior Insurance serving Concord and other areas. He is known to be responsive and give personalized service to his clients. Travis provides auto insurance through his company that includes liability coverage to protect clients from legal and financial losses after a car accident. Its auto insurance also has collision coverage and comprehensive coverage to prevent damages caused by natural effects and random acts, such as floods, car theft, vandalism, and hitting an animal.
- Multiple Carriers
License: 1000006811
Expertise.com Rating
Review Sources
- 4.6
(11)
Why choose this provider?
Founded in 1983, Colonial Insurance Services offers 24/7 auto insurance assistance to Concord car owners and enthusiasts. The independent brokerage provides adequate protection plans that match customers' car insurance needs. Its agents shop for policies that can secure drivers and their vehicles against property damages, injuries, theft, and medical payments. The company also has customized auto insurance policies and partners with over 300 agencies. Additionally, Colonial Insurance Services has other personal and commercial insurance products.
- Multiple Carriers
License: 1000589800
Expertise.com Rating
Review Sources
- 4.4
(27)
Why choose this provider?
Patriot Insurance Agencies is an independent insurance company that caters to residents in Concord. It provides policies for car owners, paying for repairs due to accidents or collisions with other vehicles. The agency reviews and assesses different coverage options from multiple carriers, such as Metlife, Progressive, and National General. Its agents also help clients tailor a personalized plan to cover risks such as medical liabilities and uninsured motorists. Additionally, Patriot Insurance Agencies offers coverage for DWIs and motorcycles.
- Motorcyle & ATV
License: 6574502
Why choose this provider?
Trey Siner Insurance Group is an independent agency based in Concord that has been assisting vehicle owners with auto insurance services for over 19 years. Founded by Trey Siner, it represents different insurance companies to provide a customized insurance program needed by its clients. Its agents can accommodate young drivers, senior citizens, and even individuals who have been involved in a previous accident. The company aims to offer insurance plans that can protect policyholders and give them peace of mind while driving on the road.
- Multiple Carriers
- Boats
- RV & Motorhome
License: 1000678072
Why choose this provider?
Jason Bentley Agency is an independent insurance agency servicing Concord and surrounding areas. It offers insurance policies for cars, homeowners, life and health, and commercial properties. The auto policy can be applied for standard cars, commercial auto, and collector or classic types of cars. It can have coverage for damages, injuries, and liability to protect the policyholder against financial loss. At Jason Bentley Agency, it is to protect clients' personal possessions and anything that matters to them.
- RV & Motorhome
- Motorcyle & ATV
License: 1000004832
Expertise.com Rating
Why choose this provider?
Snider Insurance - Statesville is a family-owned independent insurance agency that serves the insurance needs of customers in Concord and surrounding communities. Its insurance agents provide custom-tailored auto insurance programs to fit the unique financial needs of clients. Its standard auto insurance offerings include liability protection, collision insurance, and comprehensive coverage. These cover the financial responsibility of injuring others in accidents and reimburse losses from theft, fire, and other disasters. Snider Insurance - Statesville also offers insurance policies for motorcycles, collector cars, and ATVs.
- Bundling Option
- Motorcyle & ATV
- Boats
License: 1000002945
Why choose this provider?
Pethel Insurance Group helps its clients meet the legal requirement for auto insurance in the Kannapolis and Concord areas. This independent insurance agency offers an auto insurance policy that can cover property damage or injuries its clients may cause during an accident. It also carries underinsured or uninsured motorist coverage. The agents of Pethel Insurance Group have more than two decades of insurance experience and provide personal attention to its clients to meet their insurance needs.
- Multiple Carriers
License: 1000012633
Why choose this provider?
O H Walker Insurance Agency has been providing insurance products and policies since 1962. It is an independent family-owned insurance agency that serves clients in Concord and other surrounding areas. Its policies include home, business, auto, and life. Its auto insurance covers the car owner's liability, or financial responsibility to others, and the damages to the car itself. Such damages may be caused by fire or theft. The collision coverage compensates for the repair losses from an accident. The company also carries policies for motorcycles, collector cars, and boats.
- Bundling Option
- Motorcyle & ATV
- Boats
License: 1000386421
Expertise.com Rating
Review Sources
- 4.9
(145)
Why choose this provider?
Churchwell Insurance Agency offers car insurance options to policy buyers in Concord. The company aims to provide quick and convenient service by completing coverage comparisons from over 40 different insurers within minutes. Additionally, its advisors guide clients in finding the car insurance plan customized based on their specific requirements. Churchwell Insurance Agency, which also deals with other personal and commercial insurance products and services, is a member of the Lake Norman Chamber of Commerce.
- Multiple Carriers
License: 7625745
Why choose this provider?
Pegram Insurance is an independent and local insurance agency in Concord offering car insurance options from its 30 partner insurance companies. A few of the top auto insurance carrier companies that Pegram Insurance represents are Farmers Insurance Group, The Hartford, Kemper, MetLife, National General, and Progressive. The company's agents provide the best rates for all types of clients, whether they be incident-free drivers or drivers with DUI DWI, tickets, or accidents. It also offers non-owners insurance and named-operator insurance policies.
- Multiple Carriers
- Bundling Option
License: 1000094104
Expertise.com Rating
Review Sources
- 4.9
(28)
Why choose this provider?
Allen & Ballard Insurance Associates is a locally-owned and full-service agency based in Concord that offers auto insurance services to individuals and businesses. It is an independent company that represents various insurance carriers to provide customized insurance plans that are suited to the clients' needs and budget. These plans include collision and comprehensive coverages, as well as liability coverages. Allen & Ballard Insurance Associates also provides insurance for general liabilities, workers' compensation, and property coverages.
- Bundling Option
License: 1000004415
Expertise.com Rating
Why choose this provider?
Johnson Insurance Management - Monroe is a family-owned and independent agency that has been catering to Concord clients' car insurance needs since 1991. It is able to provide its customers with the right coverage by working with a variety of insurance carriers. The company also offers other insurance products for the policy buyers' home, health, and business needs. Johnson Insurance Management is a member of the Auto Insurance Agents Alliance of North Carolina.
- Boats
- Motorcyle & ATV
Compare our Top Local Car Insurance Agencies
Name | Expertise Rating | Address | Promotions | Learn more |
---|---|---|---|---|
Charlotte Insurance | 7621 Little Avenue, Charlotte, NC28226 | View More | ||
Spivey Insurance Group | 251 Post Office Drive, Indian Trail, NC28079 | View More | ||
Travis McCray | 6914 Matthews Mint Hill Road, Charlotte, NC28227 | View More | ||
Colonial Insurance Services | 4285 Highway 24 27 East, Midland, NC28107 | View More | ||
Patriot Insurance Agencies | 2400 South Cannon Boulevard, Kannapolis, NC28083 | View More | ||
Trey Siner Insurance Group | 247 Church Street Northeast, Concord, NC28025 | View More | ||
Jason Bentley Agency | 646 Church Street North, Concord, NC28025 | View More | ||
sniderinsurance.com | 1438 Wilkesboro Highway, Statesville, NC28625 | View More | ||
Pethel Insurance Group | 2622 Dale Earnhardt Boulevard, Kannapolis, NC28083 | View More | ||
O H Walker Insurance Agency | 2210 Crownpoint Executive Drive, Charlotte, NC28227 | View More | ||
Churchwell Insurance Agency-North Carolina | 19720 Jetton Road, Cornelius, NC28031 | View More | ||
Pegram Insurance | 9010 Glenwater Drive, Charlotte, NC28262 | View More | ||
Allen and Ballard Insurance Associates | 732 Kannapolis Parkway, Concord, NC28027 | View More | ||
Johnson Insurance Management - Monroe | 101 South Hayne Street, Monroe, NC28112 | View More |
FAQs
Introduction
A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circ*mstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.
How do you successfully file a claim with the local insurance agency in Concord?
To file a car crash claim in Concord, follow these steps: Check for injuries and call the police. Take photos of the scene, set up safety measures if needed, and share accident details with the police. Ask for a copy of the police report, then contact your insurance company to report the claim. Finally, keep records of all related communication and expenses.
Can you still get car insurance if you are considered as a high-risk driver in Concord?
Yes, you can still obtain car insurance in Concord if you're classified as a high-risk driver. However, being a high-risk driver, which includes categories like the elderly, inexperienced drivers, individuals with poor credit, and owners of expensive or exotic vehicles, may present challenges and result in higher insurance costs.
What factors can affect the cost of a car insurance policy rate in Concord?
Car insurance premiums in Concord are influenced by various factors. These include one's age, gender, driving history, geographical location, vehicle type, and even credit score. Insurance providers assess risk based on these elements and tailor premiums accordingly. Typically, individuals with a spotless driving record tend to enjoy lower insurance premiums, making these factors pivotal in determining policy costs.
What are the two parts of car insurance policies in Concord?
Car insurance policies in Concord have two main parts. The first part, called liability coverage, deals with paying for damage to others, which is often required by state laws. The second part covers your own vehicle and includes comprehensive coverage for things like fires and theft, as well as collision coverage for accidents. Leasing companies or banks often demand these coverages.
What are the common reasons to end a car insurance policy in Concord?
In Concord, there are several common reasons for ending a car insurance policy. One of these is when you sell a vehicle but intend to keep at least one car insured. Another situation is when you move to a different state, requiring you to obtain a new insurance policy that complies with that state's regulations. Additionally, some individuals may decide to switch insurers in search of more favorable rates, provided they secure the new policy before canceling the existing one.
What is car insurance?
Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.
How does car insurance work?
Car insurance functions in a way similar to other insurance policies. In exchange for a monthly premium payment, an insurance company assumes liability should an accident occur up to the coverage levels specified in a prearranged policy. This means if an accident occurs, the driver won't have to pay the full cost of repairs out of pocket.
What does car insurance cover?
Car insurance coverage can vary from one plan to another. It typically includes coverage for damages to a vehicle from accidents, medical expenses for people injured in accidents, and related costs after accidents with uninsured drivers. Some policies may cover additional perks, such as roadside assistance or a rental car during post-accident repairs.
Does car insurance cover theft?
Comprehensive car insurance generally includes theft protection. This means if a car is stolen and isn't recovered, the insurance agency will pay for the value of the car. However, comprehensive insurance that covers theft is optional coverage.
How does a car insurance deductible work?
A deductible is an amount that must be paid out of pocket before insurance coverage is applied. If a driver with a $1,000 deductible gets in an accident that causes $10,000 in damage, the driver must pay $1,000 and the insurance company pays the remaining $9,000. Deductibles amounts vary between coverage types.
Do you need insurance to register a car?
Yes, drivers need a valid car insurance policy to register a vehicle in most U.S. states. Car insurance is a legal obligation, and the DMV may suspend registration if insurance isn't maintained. Some banks and other lenders may also require a certain level of insurance before funding an auto loan.
Can you get car insurance without a license?
In most states in the United States, a license isn't required to purchase car insurance. This means that an unlicensed driver can purchase a policy for a licensed driver. However, most insurance companies won't allow an unlicensed driver to be listed on a policy, either as a primary or a secondary driver.
Do you need car insurance?
Yes. Car insurance isn't optional, and neglecting to purchase and maintain a minimum level of coverage can result in penalties, such as the suspension of your vehicle registration or driver's license. In addition, the cost of a car accident can add up to tens of thousands of dollars, which can be an unsustainable burden without insurance.
How much is car insurance a month?
Car insurance costs depend on factors such as where a person lives and their driving history. Drivers living in states with high insurance rates who've had accidents will pay more than drivers with clean records living in lower-cost states. In general, monthly car insurance costs can range from $50 to $500 or more.
Why is my car insurance so high?
Car insurance can be expensive for many reasons. Unsafe or expensive cars, a history of accidents, DUIs, and having multiple cars and drivers on a policy can all lead to higher monthly costs. Driver age may also play a role. For example, teens are more expensive to insure than adults.
How can I get lower car insurance?
Getting lower-cost car insurance may be possible depending on your personal circ*mstances. To find a cheaper policy, drivers are encouraged to get prices from multiple companies, bundle car insurance with home insurance, or use monitoring devices to demonstrate safe driving.
Do you need insurance to rent a car?
In most areas, car insurance isn't required to rent a car. However, most personal car insurance policies extend to rental vehicles. For those who don't have insurance coverage and want to stay protected, most car rental agencies offer supplemental insurance coverage for an added fee.
Does my car insurance cover rental cars?
Most car insurance policies do cover rental cars. However, this coverage isn't universal. Before renting a car, it's recommended that you check your policy details or speak to your insurance agent to be sure rental car coverage is included at an appropriate level.
Can I insure a car not in my name?
In most states, it's possible to insure a car that isn't registered in the name of the policyholder. This commonly occurs when a parent purchases and insures a car for an adult child. However, many states and insurance agencies require the policyholder to have a financial stake in the vehicle they're insuring.
Can you cancel car insurance at any time?
In general, it's possible to cancel car insurance at any time, provided proper notice is given. Notice requirements are outlined in policy documents. Unlike health insurance that can require personal circ*mstance changes or a specialized enrollment period, auto insurance policies can be canceled or adjusted at any time.
How can I change car insurance?
Changing car insurance is as easy as notifying your current car insurance company and purchasing a new policy from a different agency. Even policies that have been paid up front can be canceled, and companies will issue a refund for any time remaining on the policy term.
How do you become a car insurance agent?
In most states, working as a car insurance agent requires having a state license for selling insurance products. Generally, this process involves taking classes and earning a passing score on a licensing exam. Some agencies may allow individuals to shadow or assist current agents while working on their licensing requirements.
How do car insurance agents get paid?
Most car insurance agents are paid on a commission basis. This means they receive a percentage of the amount their clients pay for their insurance coverage. Some agents may also earn a flat salary. Commissions range from 5% to 20%, on average, but this can vary based on the company or policy type.
How much do car insurance agents make?
Car insurance agent earnings depend on commission percentages, any base salary in addition to commission, sales proficiency, and sales experience. According to the Bureau of Labor Statistics, the average insurance sales agent makes around $52,000 per year. This may vary from state to state and company to company.
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