Associates for Insurance Services
Auto Insurance
Personal auto for the household and commercial auto for the business, with North Carolina's minimums explained.
A family SUV. Photo: IFCAR, Public domain
What auto insurance covers
Auto insurance covers your liability to other people, damage to your own vehicle and injuries to you and your passengers. North Carolina raised its minimum liability limits on July 1, 2025. In the Department of Insurance's words: "Starting July 1, 2025, for all new or renewed policies on or after that date, the minimum limits for bodily injury will be increased to $50,000 per person and $100,000 per accident and the minimum limits for property damage will be increased to $50,000." That is the legal floor. We quote the coverages above it and explain what each one does. Vehicles that work for a business are written on a commercial auto policy.
Why it matters
The minimum is what the state requires to register a car, not a recommendation about what a serious accident costs. Uninsured motorist coverage, collision and comprehensive, and higher liability limits are where most of the protection is, and those are choices the law leaves to you. A work truck on a personal policy is one of the most common gaps we see.
Who it is for
Anyone who owns or regularly drives a vehicle registered in North Carolina, households with more than one car or a teen driver, owners of a motorcycle or ATV, and any business whose trucks, vans or cars carry people, tools or product.
Here, specifically
Carteret County's year-round population is 70,469 (U.S. Census Bureau QuickFacts, July 1, 2025 estimate). Summer traffic on NC 58 and the bridges to Bogue Banks is a different animal, and uninsured motorist coverage is worth a conversation for that reason. If you also have a home, a mobile home or a boat policy, we look at the whole household together.
What a policy can include
- Bodily injury and property damage liability
- Uninsured / underinsured motorist
- Collision and comprehensive
- Medical payments
- Rental reimbursement and roadside assistance
- Commercial auto for work trucks and vans
- Motorcycle and ATV policies
A crew-cab pickup. Photo: IFCAR, Public domain
How a quote goes
- 01
A conversation first
What you are protecting, how it is used, and what has changed since the last policy was written.
- 02
We look at the options available
Not every insurer writes every risk. We identify the options that fit the property, the vehicle or the business, and compare them.
- 03
We read for gaps
Deductibles, exclusions and limits, not just the headline number, so nothing surprises you later.
- 04
Plain English, zero pressure
We walk you through what each option does and leave the decision with you.
Questions we get about auto insurance
What auto insurance does North Carolina require?
My truck is used for my business. Is my personal auto policy enough?
Information is general in nature and may not reflect your specific situation. Contact us for guidance on your own policy.
Let's talk about your auto insurance.
A conversation about what you have and what your options look like, with zero pressure.