Full-Coverage Auto Insurance, Charlotte, NC

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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.

Full Coverage Auto 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.

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.

 
Testimonial

“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. ”

★★★★★ Margaret O.

Schedule an appointment with us to discuss your insurance needs.

Services We Offer

Home Insurance

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

Life Insurance

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

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.

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
I received a better price and easy process. They have a friendly team.
Response from the owner: Thank you for the great feedback! We're so glad the process was smooth.
Katherine is very nice to work with.
Response from the owner: Your review means a lot to us! Thanks for the feedback, Lisa.
Family owned business. Started with them when I was in highschool with my first car. Looking back I'm glad I did that then!n Ive been knowing them well over 25 years (went to highschool with the son who's now the owner). The best prices and rates, the atmosphere feels like home (25 years later). All agents are very courteous and pleasant throughout the process. They make everything very easy to understand and also will explain thoroughly if anything is left in question. I highly advise you all to ditch the big guys and come here. Again!! Thank me later They are 5 STARS NO MATTER WHAT!! THESE ARE GOD FEARING PEOPLE WHO MEAN WELL FOR ALL COLORS AND BACKGROUNDS. I KNOW THIS PERSONALITY! 🫡
Response from the owner: We're glad we could meet your insurance needs, Chico! Thanks for giving us five stars.
Curtis Helms is an excellent team. I've been a customer since my twenties.
Response from the owner: Thanks for giving us 5 stars, Rhonda!
Rebecca really helped me out with getting me a policy that I could afford.. thanks Curtis helms insurance and Rebecca..
Response from the owner: Thanks, Preston! We're glad to have you join our insurance family!
Super fast , professional and very nice people! Got us the best quote and made everything super easy ! We will definitely be back and send all of our customers to Curtis Helms insurance!
Response from the owner: Thank you for the awesome review! We’re thrilled you had a smooth experience and can’t wait to help you again.
Been there for years good service
Response from the owner: Thank you for giving us 5 stars, Phyllis!
Good friendly environment and answered all my questions and concerns!
Response from the owner: We're glad we could help, Jeremiah! Thanks for giving us five stars.
Great customer service. Greg help me with getting the best rate possible. He was very honest and helpful. I would recommend them to anyone.
Response from the owner: Thank you for your positive review! We are so glad you're pleased with Greg's service. He's a great asset to our team!
Chris Helms stands on business. I would definitely recommend them to any of my friends and family for business. 💯
Response from the owner: Thanks so much for recommending us! We really appreciate it!
Great customer care !!!
Response from the owner: We love taking care of our customers! Thanks for giving us five stars.
The best.Better then the big guys and believe me I've tryed them.
Response from the owner: Thanks for the great review, Charles! We are so glad you enjoy working with us!
Everyone is nice& has very great customer service & quotes are wonderful....
Never have a problem that they can't fix. Been with them for years. Very nice people 👍
Response from the owner: We love hearing this, Mary! Thank you for being such a loyal client and complimenting our wonderful team. We look forward to assisting you with your insurance needs going forward!
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Learn Way to Get the Best Auto Insurance Rates

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