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
Always available to help solve any problems concerning your insurance. Great people!!!!
Response from the owner: Sharon, it means the world to have earned your 5-star approval! Thank you for trusting us with your insurance needs, and rest assured that we will continue working hard for you. Give us a call anytime!
I've been dealing with Curtis Helms insurance for about 5 years. Greg is my man to go to, to get me the best bang for my buck. He's gone through quite a few companies to get what I need for my Auto insurance. Highly recomend.5 stars across the board. Everyone is so helpful and takes the time to discuss all my options before I bought my last policy.
Response from the owner: We appreciate the 5-star review, Devan!
Great people nice serviceThank you
Response from the owner: We're so glad you had a great experience, Ponce. Thank you!
Been working with them company for years. They always provide the best advice and best quotes. Highly recommend.
Response from the owner: Thanks for giving us five stars! Call us whenever you need insurance help.
Always professional and courteous!
Very helpful. Understood exactly what I needed.
Staff is very friendly and helpful
Response from the owner: Thank you for taking a moment to give us this top rating, Meisha-Shauna! It made our day to know you think so highly of our services, and we look forward to partnering with you going forward, as well. Reach out anytime.
Best agent, great customer service
Response from the owner: Thank you, Djerah! We are thrilled that you think so highly of our service, and we will continue working hard to find you the best rates and coverage. Give us a call with questions anytime!
Greg is very Knowledgeable and will take his time to explain any questions and concerns. Was able to find better coverage for less! That alone is a 10 star service in my opinion!
Response from the owner: Tony, nothing makes us happier than lowering our customers' insurance costs while boosting their coverage. Your review made us very happy! We look forward to continuing to assist you, and we welcome you to reach out anytime.
Very helpful agent!!
Response from the owner: Tim, we really appreciate your complimentary review. It's wonderful to know you found our agent's assistance so helpful, and we are here if you have any additional questions. Reach back out anytime.
This family business has covered all my insurance needs for many years. They have not only met but exceeded all my expectations. Friendly service with high standards & upmost integrity! Charles Gurley
Response from the owner: Thanks for the great review! We're happy to have you as part of our insurance family. 🙂
They are great to work with. Very helpful staff
Response from the owner: Thanks for the five-star review! We appreciate your feedback.
Great quick service. Will be moving more over to them.
Response from the owner: We appreciate your review! Happy to hear the service was quick and we look forward to supporting more of your needs.
Awesome customer service!
Response from the owner: Thanks, Robin! We appreciate you!
Katherine is the absolute best! Hands down!!
Remarkable customer service!
Response from the owner: Your feedback means a lot to us, Jack! We strive to provide outstanding service when you reach out to discuss your insurance needs, so we are thrilled you've received just that. Thank you for sharing!
Greg was a pleasure to work with. He took my information and helped me find a fair auto insurance price. Kudos to Curtis Helms Insurance and Greg. More kudos to Greg 3 months later. Greg has found me affordable coverage on renter's insurance and has also lowered my auto premium. Great to work with...
Response from the owner: Nothing makes us happier than knowing you are 5-star-satisfied, James! Thank you for brightening our day with your outstanding rating. Whenever we may be of service, please don't hesitate to give us a call.
Curtis Helms Insurance,They are Awesome!!! A professional family business. I was encouraged to get a quote by a family member in '09 and been with them ever since. Sending everyone that ask for recommendations on insurance there way. Give them a try!Definitely Wonder WorkersThank you !Thank you !Thank you !
Response from the owner: Oh wow, Thea! We can't thank you enough for the kind words. We really appreciate all the referral business you bring our way!
Great customer service.Very helpful. Highly recommend them.
Response from the owner: Thanks for the great review and recommendation, Jose! We're so glad you appreciate our services!
Got the greatest help in the lowest prices through Curtis Helms. I will be a customer of theirs for life!
Response from the owner: Catherine, we work hard to find our customers the best rates for their insurance needs, so we are thrilled that you've received just that! Thank you for your loyalty and for sharing such high praise today.
Best personal experience and help with Insurance of anywhere I’ve worked with!
Response from the owner: We're glad you were happy with our service! Thanks for the five-star review, Cathy.
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Learn Way to Get the Best Auto Insurance Rates

Learn Way to Get the Best Auto Insurance Rates

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