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How Much Auto Insurance Do I Need? from Ganey, Byrd, & Dunn Insurance Group, Inc.

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How Much Auto Insurance is Enough

Auto insurance blends several types of coverage into one policy. Typically, your policy will include some combination of comprehensive, collision, medical, liability and uninsured motorist coverage.


North Carolina Auto Insurance Needs

Every person is unique. To determine your car insurance needs, consider:

  • Liability pays for the damage you cause to others if your car is involved in an accident. It also protects you from being wiped out financially if you are sued following an accident. The greater your assets, the more you stand to lose. If you have substantial financial resources, you may need liability coverage that exceeds the coverage that you'll get from an auto insurance policy. In that case, a personal umbrella policy can provide the extra liability protection you need.
  • Collision covers damage to your car from an accident. Ganey, Byrd, & Dunn Insurance can help you decide whether or not to carry collision coverage by balancing the cost of collision insurance with the value of your car. It might not be worth paying $200 a year for collision insurance on a car that's worth only $1,000. But if the car is worth $10,000, you probably want this coverage.
  • Comprehensive coverage pays for your car if it is stolen, vandalized or damaged in some way other than in a collision.
  • Medical coverage provides for medical expenses to you and your passengers that are the result of an accident. The way you use your car may make a difference in the amount of medical coverage you need. For example, we might suggest more coverage for a parent who regularly takes a carload of kids to soccer practice than for a driver who expects to drive mostly alone.

Keep in mind that North Carolina requires certain minimum levels of coverage. The right North Carolina car insurance coverage for you is unique - talk to us today to find out how to get the best price and value on North Carolina auto insurance for you.

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1107 New Pointe Blvd Ste 1
Leland, NC 28451

Ganey, Byrd, & Dunn Insurance Group, Inc. is an independent authorized producer/agency licensed to sell and promote products from Blue Cross and Blue Shield of North Carolina (BCBSNC). The content contained in this site is maintained by Ganey, Byrd, & Dunn Insurance Group, Inc..  Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association. ®, Registered mark of the Blue Cross and Blue Shield Association.