Winston Salem  |  Clemmons  |  Rural Hall ☰ ˟
Logo
Winston Salem: 336-721-9054 Clemmons: 336-766-7306 Rural Hall: 336-969-9511
  • Home Page
  • Get a Quote
    • Annuity Quote Form
    • Auto Insurance Quote
    • Business & CommercialImage of right arrow
      • Business Owners (BOP) Quote Form
      • Commercial Auto Insurance Quote
      • General Liability Quote Form
    • Homeowners Insurance Quote
    • Jewelry Insurance Quote
    • Life Insurance Quote
    • Motorcycle Insurance Quote
    • Recreational Vehicle Insurance Quote
    • Renters Insurance Quote
    • Classic Car Insurance Quote
    • Umbrella Insurance Quote
    • Watercraft Insurance Quote
  • Our Services
    • Annuities
    • Automobile
    • Business & Commercial
    • Homeowners
    • Jewelry Insurance
    • Life
    • Motorcycle
    • Renters
    • Umbrella
    • Watercraft & Boat
  • Client Center
    • Refer a Friend
    • Important Links
    • Make a Payment
    • File a Claim
    • Insurance Glossary
  • About Us
    • About The Morgan Agency
    • Our Locations
    • Employee Directory
    • Testimonials
    • Privacy Policy
  • Contact
    • Contact Us
    • Join our Newsletter
Home > Auto Insurance in North Carolina | The Morgan Agency

Auto Insurance


Auto Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Auto Quote Form

Auto Insurance Information

Auto Insurance in North Carolina

Serving Winston Salem, Clemmons and Rural Hall and surrounding areas


What is auto insurance?
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.

Auto insurance provides property, liability and medical coverage:

  • Property coverage pays for damage to or theft of your car.
  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
  • Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.

Most auto policies are for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.

Why do you need auto insurance?
It's really all about protecting yourself financially.

  • If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.
  • If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.
  • Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.

Questions to ask your agent
Your Independent Agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

  • How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
  • What is the insurance company's level of service and ability to pay claims?
  • What discounts are available? (Ask about good driver, multiple policy and student discounts.)
  • What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)

    Call us today for a free quote! 
    Winston Salem 336-721-9054
    Clemmons 336-766-7306
    Rural Hall 336-969-9511
Carrier
Carrier
Carrier
Carrier
Carrier
Carrier
Home| Get A Quote| Customer Service| Make A Payment| Blog| About Us| Contact
Our Locations
Silas Creek
2200 Silas Creek Pkwy.
Winston-Salem, NC 27103

336-721-9054
Clemmons
2265 Lewisville Clemmons Rd., Ste B
Clemmons, NC 27012

336-766-7306
Rural Hall
310 Bethania Rural Hall Rd
Rural Hall, NC 27045

336-969-9511
Social Social Social
Logo

Powered by Insurance Website Builder