Full Coverage Auto Insurance, Charlotte, NC

Posted by Insurance Specialist February 13th, 2024

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.

 
Love them been with them for years in more to come
Travis Adams
Travis Adams
18:48 27 Feb 24
My daughter was in a car accident that totaled her car. Alex was very empathic and handled the situation with care. The process was seamless and we were able to get my daughter a new car. Thank you for all of your support!
Tamara Brown
Tamara Brown
14:54 26 Feb 24
Amazing 👏 🤩
Stephanie Collins
Stephanie Collins
13:30 26 Feb 24
Great help and great insurance
Pam
Pam
14:46 25 Feb 24
They are great
Calvin Biggers
Calvin Biggers
21:37 23 Feb 24
Have been dealing with them for years and they have always been very helpful. I would highly recommend to anyone
Renee Fetherson
Renee Fetherson
18:53 23 Feb 24
fast and good help and get good prices and insurance
Robin fonseca
Robin fonseca
22:00 21 Feb 24
Great customer service
Cain&Willies
Cain&Willies
16:15 20 Feb 24
Customer for over 15 years
Judith Woods
Judith Woods
15:01 19 Feb 24
Love them!!
BOSSI BRAND
BOSSI BRAND
12:24 16 Feb 24
Awesome service in the Charotte area!
John Apsega
John Apsega
20:51 15 Feb 24
Very clean and welcoming office, the Staff are wonderful I recommend for every one just visit.
Maureeens Nelson
Maureeens Nelson
21:04 14 Feb 24
I have dealt with the Helms for years, they are like family!!! They are great!!
Tamara Jones
Tamara Jones
20:17 14 Feb 24
Always super helpful and willing to go the extra mile. They have always been patient and answer any and all questions I have regarding my policies.
Trevor Hanfland
Trevor Hanfland
00:01 09 Feb 24
My Curtis helms family is great
Wondra Foster
Wondra Foster
16:55 07 Feb 24
Great service
Carlos Weston
Carlos Weston
15:53 06 Feb 24
It was nice
Lasana Oye
Lasana Oye
13:09 06 Feb 24
I was in Distress and Mr. Alexander helped me out. I really really appreciate him.
Blessed
Blessed
17:22 05 Feb 24
We appreciate the great customer service in every aspect of their handling of our insurance needs. They shop for the best price for our individual needs and are always available to answer questions and/or handle a specific need.
John Jenrette
John Jenrette
20:06 02 Feb 24
Great Service
Calvez
Calvez
16:05 02 Feb 24
This is a family owned business. I absolutely love the service I get from the Helms. They take time and go through everything with you.
LaWandra Williams
LaWandra Williams
16:57 01 Feb 24
Great company to do business with!!!
Terether Webb
Terether Webb
14:42 29 Jan 24
Best insurance company I have ever dealt with! Great, helpful, friendly and always there no matter what the need is!
Amy Forrest
Amy Forrest
20:23 26 Jan 24
Thank you for all your help!!
Nilda Delgado
Nilda Delgado
19:29 22 Jan 24
I have used them since forever and would not use anyone else
Sabrina Jacobs
Sabrina Jacobs
19:59 19 Jan 24
I left and now I am back great prices and good customer service!!!
Raye Martin
Raye Martin
18:24 19 Jan 24
I love this place great rates And great customer service. Thank you guys so much for working with me.
Candice Dawkins
Candice Dawkins
15:08 16 Jan 24
When my original insurance company raised their rates and my deductible, my agent Kathern went right to work without asking and found me a better company with affordable rates and my original deductible! Thank you Kathern Nixon and than you Curtis Helms Insurance!!!
Helene Naselli
Helene Naselli
20:49 10 Jan 24
Professional.
Tony Martin
Tony Martin
22:34 05 Jan 24
Have been doing business with this family for years and I trust them with my life! I have also referred them to multiple family and friends throughout the years. Mr Helms and his son know almost everything and if they don't they will steer you in the right direction.
Courtney Brownlee
Courtney Brownlee
21:35 05 Jan 24
Always helpful. Fair Pricing.
Shelly Hudson
Shelly Hudson
01:34 05 Jan 24
Great Respectful People and Very affordable insurance at Great Rates and Customer Service
Jacquelene Howze
Jacquelene Howze
18:39 22 Dec 23
Chris Helms stands on business. I would definitely recommend them to any of my friends and family for business. 💯
Ravenous Ike
Ravenous Ike
20:21 21 Dec 23
Chris has a very personalized service, if you are in the market for a great insurance company please visit
Kelvin Miller
Kelvin Miller
17:18 14 Dec 23
Very friendly, helpful, and professional!
Melanie Elliott
Melanie Elliott
17:04 13 Dec 23
This a great place to do business! Chris and his staff and very knowledgeable and proactive with the change in policy's. They will always make sure the customers best interest comes first! I’ve done business with them for years and will continue to, because they care!
Ellen Scott
Ellen Scott
15:14 11 Dec 23
This agency is above the rest, by far! I have been with them for many years, i moved to another state and could not use them there but I missed their customer service and honesty. They truly advocate for others, they go out of their way to help their customers and truthfully I could not say enough about them. As soon as i moved back to NC, i called them and they took care of all of my policy needs. Wonderful family, honest and ethical. Thank you all for always taking such amazing care of me and my family.
Coach Lora
Coach Lora
11:23 08 Dec 23
Always professional. Regardless how busy they are they take time to make you feel important.
Brenda Wooten
Brenda Wooten
18:27 05 Dec 23
They Are Great
Denise Gaddy
Denise Gaddy
15:05 01 Dec 23
i needed insurance asap and alex and carolyn was great took care of me quickly thank you so much
Adrienne Stewart
Adrienne Stewart
14:35 27 Nov 23
Very friendly and helpful
Melina Stanton
Melina Stanton
19:27 20 Nov 23
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
Katherine Goodman
21:42 13 Nov 23
Excellent customer. Very friendly. Attentive to my needs and very accommodating.
Rachael Hart
Rachael Hart
08:06 11 Nov 23
Curtis Helms Insurance has been supportive of members of my family and I am grateful...
Kea Barringer
Kea Barringer
16:14 10 Nov 23
I Love everyone there.. very loving people... My mom and dad been doing business with the Helms for over 30 yrs...
Bridget Crawford
Bridget Crawford
15:57 10 Nov 23
Greg and Chris is always friendly and helpful.
Dawn Marshall
Dawn Marshall
15:56 08 Nov 23
Awesome customer service!
Robin Bacote
Robin Bacote
13:09 08 Nov 23
The best at everything they do...
Ashley Nevills
Ashley Nevills
15:21 03 Nov 23
I have been with the Helms family for a few years their very friendly and helpful I enjoy doing business with Curtis Helms.
Latonya Evans
Latonya Evans
15:45 31 Oct 23
Caring Staff to take time with your concerns and questions. One big happy family
Lawanda Mccoy
Lawanda Mccoy
13:44 31 Oct 23
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Learn Way to Get the Best Auto Insurance Rates

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