Auto Insurance

We find you great insurance at just the right price!

Get Car Insurance in Charlotte and All of NC

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Let Pegram Insurance Agency​ help you find the car insurance policy that fits your needs today!

You can rest assured that we offer an entire slew of discounts. You won’t find insurance plans this low, no matter what your driving record is.

We offer low insurance costs and/or discounts for the following situations:

  • High-risk Drivers
  • Low-mileage drivers
  • Car insurance for Young Drivers
  • Hybrid and Electric Cars
  • Experienced Drivers with up to 20 points
  • DUI History
  • Multiple Autos

As a local, independent insurance agency, Pegram Insurance Agency can compare car insurance to find the right policy for your car by comparing quotes and coverage options from several top providers. In addition to cars, we insure motorcycles, classic cars, motor homes, boats, Jet Skis, and ATVs.

COLLISION INSURANCE

Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually includes an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.

COMPREHENSIVE INSURANCE (OTHER THAN COLLISION)

Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) And although it’s not legally required by any state, you will probably need it if your car is financed.

Every situation is unique — talk to us today to find out how to get the best value on auto insurance. Request a free quote today!

How Much Auto Insurance Do You Need?

The amount of auto insurance a driver needs can depend on various factors, such as their state's minimum insurance requirements, the value of their vehicle, their driving habits, and their financial situation. In general, liability insurance is required in most states and provides coverage for damages or injuries caused to other drivers in an accident where the policyholder is at fault. However, it is recommended to have additional coverage, such as collision and comprehensive insurance, to protect against damage to the policyholder's own vehicle, theft, or other incidents. Drivers with higher-value vehicles may also consider increasing their coverage limits or adding umbrella insurance to protect against potential lawsuits. Ultimately, it is important for drivers to evaluate their individual needs and risks and consult our insurance professionals to determine the amount of coverage that is necessary.

Financing a Car?

To finance a car, it is usually necessary to have insurance that covers damage to your vehicle. This includes:

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