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. ”

★★★★★ Margaret O.

Schedule an appointment with us to discuss your insurance needs.

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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.

Great family oriented insurance company.

Tweet King

21:28 12 Dec 24

Very Professional, Great to work with

Bill Chakra

19:13 12 Dec 24

Great and trusted company!!!! I have used them for myself and my clients for the past five years!!

kesete Adonay

17:36 11 Dec 24

I dealt with Greg at Curtis Helms Insurance. He was very patient and did a thorough job in procuring my new auto policy

David Adams

16:05 11 Dec 24

Mrs. Rebecca always helps with my auto insurance needs! Thank you for always getting me a great rate!

Astrid Patrice

22:56 10 Dec 24

Great company I would recommend good people to this company

jeremiah gibson

21:20 10 Dec 24

Been great working with this company. Very helpful when we needed some assistance for a younger driver with challenged driving history.

Jay Pass

17:04 10 Dec 24

Really polite

Christopher Cawthorne

20:55 09 Dec 24

The staff was so friendly and patient with me! They were very knowledgeable with the different options I could choose from regarding payment plans! The prices were really reasonable! Thank you for a wonderful experience in helping me get my NC car and renters insurance!!!🥰

Dawn Alexander

02:01 07 Dec 24

My hold family have car insurance with Mr. Curtis Helm & family’s. Best insurance company ever!! Much love!!

Marilyn Biggers

16:45 06 Dec 24

Grate people who cares

Mario Durham

21:37 04 Dec 24

I’ve been with Helms Insurance for 7 years and Greg has always been great!

William Millikan

18:18 04 Dec 24

Been with Curtis for 20 years+ best in the business

Juston Curry

16:32 27 Nov 24

Love them, been with them for over 20 years

DianeChermain SorycEsetok

21:55 26 Nov 24

Professional.

Tony Martin

16:16 26 Nov 24

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

Sylmyles Coleman

15:38 26 Nov 24

I was worried about getting insurance because i have points on my licenses but Greg had me smoothered and covered. Greg took care of me from beginning to end at eases and a better rate than anyone i called. I look forward to doing business with Curtis Helms insurance

meka burgin

21:17 22 Nov 24

Such friendly staff! Always super helpful, positive and upbeat!

Deanna Alonso

16:10 21 Nov 24

Great Customer Service

Phyllis Cooper

22:02 15 Nov 24

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

Mark Hatfield

16:15 14 Nov 24

They contact me when premium increases and offer alternatives.

brenda whitman

23:36 08 Nov 24

Chris was very helpful and hospitable. It was time for him to go home and he stayed behind to help get me insured. I’m forever grateful, definitely recommend!

shaquill nelson

22:54 08 Nov 24

Curtis Helms Insurance provides the best affordable coverage possible for your money. They have professional staff that has assisted me over the years with pride about their services! I'm extremely contented in being their valued long time customer,

Katherine Goodman

03:00 07 Nov 24

Friendly staff and efficient. Been helping my family and friends for close to 10 years I always recommend Curtis Helms

Antwanett Watson

14:40 04 Nov 24

They Are Great

Denise Gaddy

13:23 04 Nov 24

Helps find the cheapest insurance

Babii De

18:43 01 Nov 24

This company will find and fix any problems on your policy. They will also give you a call to make sure you're satisfied

Lothario Whitley

18:17 01 Nov 24

Curtis Helm Insurance has bern my agent for many years for home and auto. They regularly review my accounts and see if I can save money. They are very responsive any time I call. I recommend their service highly.

Cathy Pleitez

18:37 31 Oct 24

I just Love the Curtis Helm Family! They are more than just an insurance agency. They are more like family that has always had my best interest with my insurance policies for over 16 years. I highly recommend them for you and your family.

Shanda Kneece

19:50 28 Oct 24

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 !

Thea B

18:36 25 Oct 24

I want say this business has always help and find a solution to help and very nice friendly I love themThanks so much for allY’all do

Chris Hanks

20:19 24 Oct 24

Love them all, great people, lot of years with them and not changing them.

Veronica Rosa

20:06 22 Oct 24

Great Service, a real family feel -- been with them for years.

Danielle Farmer

20:08 21 Oct 24

I love this company. It's family owned and operated by professional people. I have been with them for more than 25 years. They take care of their customers. They are very friendly and caring.

Paulean Gray

14:10 21 Oct 24

ONE OF CHARLOTTE BEST ASK FOR GREG😃😃

Ayana Foster

19:07 18 Oct 24

Very good service

Z Wallace

15:18 18 Oct 24

Customer service is awrsome

Julie Earley

19:20 16 Oct 24

Chris Helms stands on business. I would definitely recommend them to any of my friends and family for business. 💯

Aaron Davis

17:30 16 Oct 24

They’re simply awesome always have been able to find me the best quotes and a low prices on my high in vehicle. Thanks so much for your services Curtis Helms Insurance !

Denisha Jones

14:23 15 Oct 24

Great experience with good deals!

Hasaan

16:34 11 Oct 24

Great and helpful staff members

Jill Jill

13:27 11 Oct 24

Extreme patience with excellent customer service.

CLG

19:11 10 Oct 24

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