Full Coverage Auto Insurance, Charlotte, NC

We’ll help you have a better understanding about the benefits and options involved with full-coverage auto insurance.

Full-coverage auto insurance is a type of policy that most people opt for, not only because lenders require it, but because of the risks that are mitigated by having it. Here at Curtis Helms Insurance in Charlotte, North Carolina, we are a great source for getting auto insurance quotes and same-day coverage, in most cases. We provide exceptional customer service so that we can accurately advise you as to the types of coverage and policy limits that are best for your situation.

Home Insurance in Charlotte, North Carolina

Standard liability insurance is mandatory so that you can legally drive your vehicle on our highways, but this coverage is not enough for most people as it only covers damage you inflict on others. It doesn’t cover the damage to your vehicle or a host of other options you can put into a full-coverage auto insurance policy.

When you call us to discuss full-coverage auto insurance, we’ll learn as much as we can about your risk tolerance and provide you with the cost to add certain coverages to your policy. For example, you might be interested in towing, rental reimbursement, uninsured/underinsured motorist bodily injury coverage, or specialty add-ons that vary from one insurance company to another. In addition, we’ll discuss your options for liability limits and deductible amounts. The goal is to provide you with the full-coverage auto insurance that protects you at the premium amount your budget can cover.

We’ll help you have a better understanding about the benefits and options involved with full coverage auto insurance.

Full coverage auto insurance is a type of policy that most people opt for, not only because lenders require it, but because of the risks that are mitigated by having it. Here at Curtis Helms Insurance in Charlotte, North Carolina, we are a great source for getting auto insurance quotes and same-day coverage, in most cases. We provide exceptional customer service so that we can accurately advise you as to the types of coverage and policy limits that are best for your situation.

Standard liability insurance is mandatory so that you can legally drive your vehicle on our highways, but this coverage is not enough for most people as it only covers damage you inflict on others. It doesn’t cover the damage to your vehicle or a host of other options you can put into a full coverage auto insurance policy.

When you call us to discuss full coverage auto insurance, we’ll learn as much as we can about your risk tolerance and provide you with the cost to add certain coverages to your policy. For example, you might be interested in towing, rental reimbursement, uninsured/underinsured motorist bodily injury coverage, or specialty add-ons that vary from one insurance company to another. In addition, we’ll discuss your options for liability limits and deductible amounts. The goal is to provide you with the full coverage auto insurance that protects you at the premium amount your budget can cover.

If you would like a better understanding about what full coverage auto insurance is and the options available, don’t hesitate to contact us. We’ll make sure you are well-informed, so you can make the right decision for your situation. Call today to learn more about any of the insurance coverages we can assist you with, including auto, home, life, and commercial insurance.

At Curtis Helms Insurance, we offer full coverage auto insurance to those in Charlotte, Monroe, Kannapolis, Mooresville, Hickory, Harrisburg, Raleigh, Greensboro, Winston-Salem, and Wilmington, North Carolina.

They never disappoint.

“They took their time to explain everything to me and were very nice. Everyone at the office is lovely. I’ve been there several times and been with them for about 8 years. They never disappoint. ”

★★★★★ 22^th August 2018 Margaret O.

Schedule an appointment with us to discuss your insurance needs.

Book Appointment

Services We Offer

Home Insurance

Whether you own a single-family home, townhome, row home, or even a condo, you need home insurance to protect your investment.

Life Insurance

Protect your future and your loved ones by securing a life insurance policy specific to your situation.

Commercial Insurance

Mitigate risk and reduce liability by turning to us to update your business’ commercial insurance portfolio.

Schedule an appointment with us to discuss your insurance needs.

Book Appointment

Our family-run company wants to help insure your family.

If you would like a better understanding about what full coverage auto insurance is and the options available, don’t hesitate to contact us. We’ll make sure you are well-informed, so you can make the right decision for your situation. Call today to learn more about any of the insurance coverages we can assist you with, including auto, home, life, and commercial insurance.

At Curtis Helms Insurance, we offer full-coverage auto insurance to those in Charlotte, Monroe, Kannapolis, Mooresville, Hickory, Harrisburg, Raleigh, Greensboro, Gastonia, Winston-Salem, and Wilmington, North Carolina.

FAQs About Home Insurance

Here at Curtis Helms Insurance, we know that your home is important to you, and we want to help you do what’s best for it. Our team offers high-quality home insurance to help you protect your investment. If you have questions about home insurance, we encourage you to keep reading to find the answers you need below. (If we didn’t get to your question in this article, feel free to reach out to us directly.)

What does home insurance cover?

Most standard insurance policies cover the costs of home repairs or rebuilds, temporary housing arrangements, personal property damage or theft, and liability. In other words, if your home or belongings are damaged, your insurance will pay to replace or repair them. Your policy will also cover the cost of a rental home if your existing home becomes temporarily uninhabitable and will cover any legal or medical expenses you may face as the result of a liability lawsuit.

What does home insurance NOT cover?

Most home insurance policies do not cover flood or earthquake damage, but you can buy separate policies to cover you in those circumstances. In addition, home insurance won’t pay for repairs if the company finds that the damage was caused by a lack of proper maintenance.

Is there a way to lower my home insurance rate?

Most home insurance companies offer a discount for homes that have a security system installed, as the system lowers the risk of the property being robbed or vandalized. If you are looking for additional ways to lower your rate, just give us a call to consult our experts.

At Curtis Helms Insurance, we offer home insurance to those in Charlotte, Monroe, Kannapolis, Mooresville, Hickory, Harrisburg, Raleigh, Greensboro, Winston-Salem, and Wilmington, North Carolina.

Why Choose Curtis Helms Insurance?

As an independent agency, we can provide different quotes offered by the most reasonable insurance companies. We can get rates that meet your personal or business needs, so feel free to contact us today to discuss your options and receive your free quote.

See what some of our satisfied clients are saying about our auto insurance and other types of insurance.

Excellent

4.9

Sylmyles Coleman

I've dealt with with this company for years and have had multiple cars insured by them. Never had a problem and they are very nice, professional and makes you feel like you are part of a family

Response from the owner: We're happy we make you feel like a part of our insurance family, Sylmyles! Thanks for leaving us such a positive review.

Yolanda Alexander

Always great highly appreciated them

Atoya Brannon

I love this insurance company. They always look out and try to get me a better rate.

Response from the owner: Atoya, it is wonderful to hear this. Our goal is to provide our clients with the best rates and policies to meet their needs, so we are thrilled that has been your experience. Thank you so much for sharing!

Byron Steele

They are very helpful willing the staff at Curtis Helms is knowledgeable and on point I will refer everyone to choose and give this insurance company your business my policy has reduced bye 30 dollars thanks Curtis Helms

Response from the owner: Byron, we are gratified to know you've been so pleased with our team's support. Thank you for sharing. And please reach back out if you have any insurance questions or needs that we may help you with going forward!

Oscar Magana

The better price I found true enough

Response from the owner: Thank you for the wonderful review, Oscar! We work hard to find the best insurance rates for our clients, so we are thrilled that you have been pleased. Reach out whenever you have questions, and we will be happy to assist you.

Effie Staffa

Very professional and quick😁

Response from the owner: Thank you, Effie! It means a lot to have earned your 5-star praise, and we are here whenever you have insurance-related questions that we may answer. Give us a call anytime.

Bill Chakra

Very Professional, Great to work with

Response from the owner: Thank-you so much for your review Bill. We really appreciate your business and look forward to helping you out again in future.

Rina Murillo

👍👍👍

Response from the owner: Thank you for the 5 stars and thumbs-up, Rina! It's an encouragement to know you think so highly of our team's service. Let us know when we may assist you next.

Owen Speid

Warm welcoming and helpful customer service representatives. They're efficient and reliable at Helms

Response from the owner: We really appreciate this, Owen. Your kind words about our warm and dependable service made our day, and we will continue to be here to meet your insurance needs. Reach out anytime!

Aviva Moody

Greg at Curtis Helms insurance helped me get a better rate on my car insurance.

Response from the owner: Aviva, we couldn't be happier to hear this! Our goal is always to find the best rates for our customers, so we are thrilled that Greg was able to achieve that for you. Please don't hesitate to contact us whenever you'd like further assistance!

Eliseo Martinez

Great service and excellent customer service!

Response from the owner: Thanks for giving us five stars! Whenever you need insurance help, call us.

raklein tambou

Been with them.over 25yrs

Response from the owner: Thanks for giving us 5 stars, Raklein!

Catherine Southerland

Very knowledgeable and experienced!

Response from the owner: We're glad we could put our knowledge to work for you! Thanks for the five-star review, Catherine.

Dashawn Bush

Great service!!

Response from the owner: Thank you for the kind words! We’re thrilled you had a great experience with our team.

kalil bathily

A great insurance company always ready to help customers at any time and they will satisfied your needs and will provide you an excellent service. I really appreciate your help and service.Thank you.

Response from the owner: We believe in providing great service at all times! Thanks for the kind review.

Mark Hatfield

Greg was very helpful and I was able to handle everything over the phone and quite efficiently, I might add. Excellent service.

Response from the owner: We're glad we were able to help! Thanks for the review, Mark.

Vickie Battle

Very professional and they take care of their customers.

Response from the owner: Vickie, thank you for reviewing. Your feedback means so much to us as we truly care about helping our customers find the best rates for the coverage they need. We will continue working hard for you.

Maria Hernandez

Absolute great thank you

Response from the owner: Thank you for the fantastic review! We hope to work with you again.

Kurt Walker

Ms. Rebecca was very knowledgeable, friendly, helpful....all around accommodating. A very nice woman, she even helped when I called back needing her help. GREAT JOB

Response from the owner: Thanks for the five-star review, Kurt! We're glad we could help you with your insurance needs.