Get discounts for bundling Home and Auto Insurance!
Toll Free: 888-273-221 Wilmington 910-431-9077
Car Insurance
Car Insurance in Wilmington NC
Auto
Motorcycle / ATV
Boat or PWC
Personal Auto insurance or Commercial auto insurance
Boat or PWC
Motorcycle / ATV
Boat or PWC
Protection for large or small watercraft
Motorcycle / ATV
Motorcycle / ATV
Motorcycle / ATV
Motorcycle coverage for on and off road
Motorhome
Travel Trailers
Motorcycle / ATV
Motorhome coverage for accidents and personal property
Travel Trailers
Travel Trailers
Travel Trailers
If you are towing a trailer make sure you have the right auto insurance coverage to fit your needs.
Personal Auto and Business Auto
Vehicle Coverage
Whether you need coverage for auto insurance in Wilmington, NC, boat, motorcycle, ATV, or recreational vehicle, we have affordable plans to fit your needs and get you on the road or the water. We will shop multiple carriers and find you the coverage you need at a price you can afford.
Auto insurance! Free Quotes!
We offer competative rates and discounts for bundling your auto insurance and home. Our rating platform provides market access to multiple carriers, allowing us to do the shopping for you! Whatever type vehicle you need insurance for, whether it’s an auto, boat, personal watercraft, recreational vehicle, motorcycle, ATV, scooter or golf cart, we have insurance for you.
Business Auto Policies
Commercial auto insurance is liability and physical damage protection for vehicles, such as cars, trucks and vans, that are used for business. Commercial vehicles require a separate policy because they’re typically exposed to more risk than personal vehicles.
Commercial auto insurance isn’t just for industrial vehicles like semis or dump trucks. For example, businesses that use a car to run errands, carry tools or transport clients might also need a commercial auto policy.
Personal Auto Coverage
Coverages
Additional Coverages
Additional Coverages
- The liability coverage protects people against claims made by other people because they were injured or their property was damaged in an accident involving an insured. Liability claims become very large when major injuries are involved.
- Medical payments coverage protects occupants of an insured vehicle by covering their medical bills if they are injured in an accident.
- Physical damage coverage—“comprehensive and collision” coverages—protects a vehicle owner against the expenses involved in repairing a damaged auto.
- Uninsured motorists coverage protects people against financial loss when they must pay for their own medical bills because the driver of the car that injured them had no insurance.
Additional Coverages
Additional Coverages
Additional Coverages
- Personal injury protection
- Rental Reimbursement
- Roadside assistance
- Medical Payments
Frequently Asked Questions
Does Insurance Protect Cars or Drivers?
Can Drivers Who Don’t Own a Car Buy Insurance?
Can Drivers Who Don’t Own a Car Buy Insurance?
Drivers typically think of their car insurance in terms of insuring their cars, not insuring the people who use them. Auto insurance doesn’t protect cars. Auto insurance protects people. It protects people against financial losses that can result when they own, maintain, or use a motor vehicle. A PAP (personal auto policy) has four main coverages and a number of additional coverages. All of them serve different functions in protecting people against financial losses.
- The liability coverage protects people against claims made by other people because they were injured or their property was damaged in an accident involving an insured. Liability claims become very large when major injuries are involved.
- Medical payments coverage protects occupants of an insured vehicle by covering their medical bills if they are injured in an accident.
- Physical damage coverage—“comprehensive and collision” coverages—protects a vehicle owner against the expenses involved in repairing a damaged auto.
- Uninsured motorists coverage protects people against financial loss when they must pay for their own medical bills because the driver of the car that injured them had no insurance.
Can Drivers Who Don’t Own a Car Buy Insurance?
Can Drivers Who Don’t Own a Car Buy Insurance?
Can Drivers Who Don’t Own a Car Buy Insurance?
PAP (personal auto insurance policy) can provide coverage for a named individual or resident spouse who does not own an auto but who may operate rented or borrowed automobiles. This is accomplished via the Named Non-Owner Coverage (PP 03 22) endorsement.
Before you buy insurance, your local independent agent will ask some pretty basic questions to get you the right coverage at the right price.
Then, you’ll have some options when picking coverage.
We will run quotes with multiple carriers to find the best policy to fit your needs at a price that fits your budget!
Get the coverage more than 1 million boatowners enjoy
Small Accident Forgiveness:
If you have a claim that costs $500 or less, your premium will not increase.
Large Accident Forgiveness:
If you’ve been with us for at least four years and haven’t filed a claim in the last three years, we won’t count an accident against you at your next renewal.
Sign & Glide®:
On-water Towing If you break down, we’ll pay for an on-water tow as well as jump starts, fuel delivery, disentanglements, and soft ungrounding.
No depreciation on partial losses:
We’ll provide full compensation for parts (not the depreciated value) so you can get back on the water fast.
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Perpetual Agreed Value:
Once we agree on a value for the boat, we’ll never ask you to revalue your boat no matter how old it gets.