Auto Insurance in Charlotte & Fort Mill

Man handing car keys over to family.

Purchasing auto insurance can be a difficult and confusing task. With laws that vary by state and many different coverage options to choose from, it may be hard to know where to begin.  While basic plans cover property damage or injury caused by your operation of a vehicle, others offer additional options like medical payment reimbursement. You may also need to consider a plan that offers rental reimbursement or roadside assistance.

CoSaint Insurance is a family-owned insurance agency with over 30 years of experience serving the residents of Charlotte, Fort Mill, and the Carolinas.  Our experienced agents will discuss your needs and determine the auto insurance coverage that is right for you.  We’ll also shop your quote with multiple leading insurance companies to find you that coverage for the best price.  With convenient locations in Ballantyne and Fort Mill, we look forward to working with you.

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Auto Insurance Policies Tailored to Your Needs

You are constantly on the move and, as a result, it is important to be protected against the potential perils of driving, especially in the Charlotte region. First and foremost, you need to be protected should your vehicle be damaged or stolen. However, equally as important, you need auto insurance to cover property damage or injury caused by you (and/or other household members) as a result of operating a motor vehicle. Auto insurance protects you should any of these situations occur.

In addition to coverage for the injuries you cause to others or damage to your vehicle, auto insurance policies have several other coverage options. Other features of auto insurance policies include medical payment reimbursement and reimbursement for damage (or injury) caused to you by an uninsured or inadequately insured driver. You may be adequately insured, but someone else may not.

You may also need to customize your policy to assure you have adequate protection. Examples include:

  • Installation of custom audio equipment
  • Rental reimbursement
  • Towing / roadside assistance
  • Business use of your automobile

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Auto Insurance Coverage Options & Requirements

Auto insurance requirements can vary from state to state. It is important to understand the requirements for your state and also understand what type of coverage you may need for your vehicle. Two common coverages are Liability and Physical Damage, described below.

Automotive Liability Coverage

Also known as Bodily Injury Liability Coverage.

Liability coverage (also known as Bodily Injury liability coverage) is a very important coverage included in all auto insurance policies. Bodily Injury liability provides coverage in case you cause an accident in which another person (or people) is injured. Bodily Injury coverage covers the damages that you are legally responsible for in an at-fault accident and provides a legal defense in case another person (or group) sues you for damages.

Bodily Injury coverage is mandatory in most states and the majority of states have a minimum limit of required coverage. It is very important to understand the minimum limits required in your state.

Bodily Injury liability limits are typically shown as split limits (i.e. $50,000/$100,000, $100,000/$300,000) or Combined Single Limits (i.e. 300CSL, 500CSL, etc…). These abbreviations are meant to represent the highest amount per person (and per accident) of coverage that your insurance company would pay if you were found to be liable for damages to others. For example, if you have “split” limits (i.e. $100,000/$300,000) and you caused an accident that injured another person or group, your insurance would pay up to $100,000 for each person’s medical bills and up to $300,000 for the entire accident. Single limit coverage (300CSL) would cover up to $300,000 per person and a maximum of $300,000 per accident.

When choosing your Bodily Injury liability limits, you should consider all of your assets (including future earnings and assets). It is important to have adequate coverage because if you are in an accident and you do not have enough coverage to protect all of your assets, your assets could be at risk (especially if you are liable for damages that exceed your coverage limits). Drivers must be able to pay for losses they cause to others and will be forced to indemnify those losses if they are at fault. Bodily Injury liability coverage is the simplest way for most people to comply with these requirements.

Automotive Physical Damage Coverage

Physical Damage Coverage is often required when you are purchasing, renting or financing a vehicle. Physical Damage coverage provides coverage for your vehicle in the case of a loss. Physical Damage is broken down into two main coverages.

Collision coverage pays for damages to your vehicle if you are in an automobile accident. Collision coverage pays for repairs up to the market value of your car, minus your deductible. The deductible is the amount of money you will be required to pay toward repairs before the benefits of the Collision coverage apply. In essence, your deductible is a way of sharing in the risk of insuring your car. The higher deductible you choose, the less the Collision coverage will cost (and vice versa).

Comprehensive insurance (“Other than Collision” Coverage) covers damage to your vehicle as well. Comprehensive insurance covers “Acts of God” claims like floods, wind, hail, falling branches, etc… as well as windshield damage, theft, deer hits, and vandalism to your vehicle. Similar to Collision coverage, Comprehensive coverage will pay for damages up to the fair market value of your vehicle (less your deductible). The higher deductible you choose, the less the Comprehensive coverage will cost (and vice versa).

Cover Your Vehicle Today

CoSaint Insurance wants to change your perception about buying insurance.  We know you have many options when it comes to purchasing an auto policy. We’ve partnered with over 20 of the leading insurance companies to provide you multiple quotes, so we can always guarantee a great price.  We’ll also continue to shop for the best prices throughout your policy term, so you don’t have to. CoSaint Insurance is committed to saving you time and money, so that you can have peace of mind when you get on the road.

CoSaint agents are ready to get you started.  Request a quote from us today or call us directly to speak with an agent.  Either way, we’ll be sure to determine the coverage that fits you best and find it for the best price.

Our agents are licensed in North Carolina, South Carolina, Ohio, and Kentucky.  It would be our privilege to serve you.  Contact us today to see the difference in customer care!