Auto Insurance in Huntersville, NC

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All Around Huntersville

Huntersville is a large suburb in the Charlotte, NC metropolitan area. Almost 60,000 call this part of Mecklenburg County home, making it a top-20 town in the Tar Heel state. Interstate Highway 77 runs through this suburb and intersects with Loop 485 just south of the limits, making it an easy place to get to and through by automobile. Whether you’re looking to enjoy a day at Lake Norman, taking it all in at the Carolina Renaissance Festival or visiting museums such as the Discovery Place Kids or the EnergyExplorium at McGuire nuclear Station, there’s plenty to see and do in Huntersville. Your weekend is waiting for you to gas up the family hauler and get into this bustling town.

Formerly known as Craighead, the town is a namesake for local farmer and land owner, Robert Boston Hunter. Uptown Charlotte is a quick 14-mile drive south, and local motorists take to U.S. Highway 21 and North Carolina Highway 115 as the major north-south arterials through the area. Along with nearby towns Cornelius and Davidson, Huntersville is part of an area known as North Meck. Whether you’re dropping kids off at school, taking classes at the Merancas campus of Central Piedmont Community College or racing out to the offices of Joe Gibbs Racing, having auto insurance in Huntersville, NC, is a must. Even with a relatively high medium household income, who wants to fork over money to make out-of-pocket payments for auto damage?

Pump Those Brakes

By law, North Carolina residents must maintain continuous liability insurance provided by an insurer who is licensed to do business within the state. If you own and operate a vehicle, you’re required to carry auto insurance in Huntersville, NC. Such a policy protects you and family members from injuries and property damage due to the negligence of other drivers. Failing to carry coverage will result in fines, civil penalties and even revocation of your car’s license plate. Lacking auto insurance in Huntersville, NC, doesn’t pay, especially when you consider how fines can accumulate.

You can expect your car insurance policy to offer these benefits and protections:

  • Collision: This covers the cost to repair or replace a vehicle involved in a collision.
  • Comprehensive: Non-collision related damages are addressed by this coverage.
  • Bodily injury: If another person is injured in an accident, this benefit covers medical bills for others who are not named on the policy. North Carolina requires you to carry at least $30,000 for one person or $60,000 for two or more people.
  • Property damage: The state requires your policy to have at least $25,000 worth of protection for damages to other types of property involved in an accident.
  • Personal injury protection: For the insured, this benefit covers medical expenses, income interruption and even funeral costs.
  • Underinsured or uninsured motorist coverage: Whether you’re driving within Huntersville, North Meck or greater Charlotte, chances are high that you may collide with a motorist who has too little insurance or none at all. This benefit protects you from the shortfall in coverage.

Your policy for auto insurance in Huntersville, NC, should carry sufficient coverage for the type of driving that you do. The state minimum limits may not be enough, so it’s important to take a look at your liability limit and what you can afford to pay as the premium and the deductible in the event of a covered loss.

This information is intended for general informational purposes only and is not intended to constitute legal advice.

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