Auto Insurance

Auto insurance, also known as a car insurance, motor insurance, or vehicle insurance, is an agreement between you and an insurance company that can provide financial protection against physical damage or injury caused by traffic collisions, as well as from liability that could arise from incidents in a car.

Car Insurance Basics

Most states require auto insurance for drivers to protect themselves financially if there’s an accident. When you get auto insurance, you’ll select a policy that outlines the type of coverage and how much it costs. This can include bodily injury liability, property damage, comprehensive coverage, and collision coverage.

  • Bodily Injury Liability: Bodily injury liability pays for medical expenses if you’re at fault in an accident and someone is injured. It also pays for legal defense and court costs if you’re sued.
  • Property Damage Liability: Property damage liability helps pay to repair or replace any property damaged in an accident caused by you, up to the policy limit.
  • Comprehensive Coverage: Comprehensive coverage will help cover damages due to theft, vandalism, fire, hail, and other covered losses.
  • Collision Coverage: Collision coverage helps pay to repair or replace your vehicle if you’re involved in an accident. This type of coverage usually comes with a deductible which is the amount you must pay before any insurance benefits are paid out.

Getting the right auto insurance for your needs can be challenging, but it’s also important not to sign up for a policy that charges you for coverage you may not need. Knowing the basics of auto insurance can help you to make an informed decision about the policy that is right for you.

Our Team Can Help

To help you find the right balance of coverage at the lowest possible price, our team can help you make informed choices on policy options and then shop your policy with multiple insurers to make sure you get the lowest rates around. Call or click the quote button to get started – and remember, consultations are always free!

What customers say about superior service...

Great experience
Siera Covington
Siera Covington
Atendimento excelente e facilitado, Acho que nunca fiz seguro de maneira tão prática e rápida. Super recomendo!
Silvania Maria de Souza
Silvania Maria de Souza
Great customer service....and affordable
Latonya Broadie
Latonya Broadie
All the staff are very professional and helpfully, the insurance rates are very competitive and they have many options to choose.
Johanna Lopez
Johanna Lopez
There is no one that I trust more with my insurance needs than Liz and Matt at Pegram. My wife and I have used them for not only our auto insurance but also our business insurance. They have never dropped the ball. Top Notch at all times.
Kyle Jenkins
Kyle Jenkins
As a new customer, Nicole's service was excellent and she helped me get the best price! She was very kind and patient with me and I highly recommend this insurance company.
Humberto Mejia
Humberto Mejia
Nicole is prompt in her work and is prompt and courteous to her customers. She is a kind and nice person.
Kiyo Gmail
Kiyo Gmail
EXCELENTE! Muy buena atención me ayudaron a encontrar la mejor opción y hablan espańol también; la chica Loreanna fue muy amable y profesional recomiendo 100% este lugar.
raul rodriguez
raul rodriguez
I spoke with Nicole on 2/15/2023regarding Renters insurance, she was very professional, knowledgeable and pleasant to talk too.Her customer service was top notch. Everyone in this office offer great customer service,that's why I been a. Customer since 2012.
Sharon Hale
Sharon Hale
Great service at affordable price
Watchthisvideo
Watchthisvideo
Pegram insurance has been assurance to my home insurance for around 3 years which it comes with great customer service, agents committed to provide you best rates and coverages on the marketplace and elevates your experiences. Thanks
Bibek Chhetri
Bibek Chhetri
They will always find a way to help you out and Nicole is the best at what she does!
ritzcy escobar
ritzcy escobar
Love every one at Pegram. Especially Maria and Matt. They are so helpful and willing to work with anyone.
Jasmine Williams
Jasmine Williams
Great rates, exceptional customer service, and no fuss renewals. Been with them for years! In two states!!
Vikki O'Keefe
Vikki O'Keefe
js_loader

106 B W Arrowood Rd
Charlotte, NC 28217

Give star power to
your coverage!