Auto Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Auto Insurance Information
Auto Insurance in Pilot Mountain, NC and Mount Airy, NC
GOOD DRIVERS ARE RESPONSIBLE DRIVERS.
Looking for a car insurance policy can be frustrating, especially if you don’t know where to look. Many drivers end up paying too much for too little coverage or missing out on important discounts.
With over 50 years of combined experience, the professionals at Simmons Insurance Agency understand that each driver is different, as are their insurance needs. We will work with you to find and tailor a policy that suits your needs without stretching your budget.
What Car Insurance is Required by Law?
Insurance requirements vary by state. In general, you will need certain limits of liability insurance in order to drive legally. North Carolina and Virginia, for example, have different auto insurance requirements:
North Carolina Auto Insurance Requirements
$30,000 in bodily injury liability per person
$60,000 in bodily injury liability per accident
$25,000 in property damage liability
$30,000/$60,000 in uninsured/underinsured motorist liability per person/accident
Virginia Auto Insurance Requirements
$25,000 in bodily injury liability per person
$50,000 in bodily injury liability per accident
$20,000 in property damage liability
$25,000/$50,000 in uninsured/underinsured motorist liability per person/accident
Car Insurance Coverages to Consider
Aside from required liability insurance, you should consider additional coverages to protect you, your vehicle and your passengers. Liability insurance is designed to compensate other people on the road in case of an accident, but it won’t help you make repairs on your own vehicle. A full coverage policy is generally recommended to keep you covered and may include:
Comprehensive Coverage: Comprehensive coverage provides compensation for damages to the vehicle caused by fire, wind, hail, falling objects, lightning, theft, vandalism and more.
Collision Coverage: Collision coverage provides compensation for damages to the vehicle caused by a collision with another vehicle or object.
Liability: Liability insurance covers bodily injury and property damage you may cause someone else while operating the insured vehicle.
Medical Payments: Medical payments cover medical bills for you and your passengers after an accident, no matter who caused it.
Uninsured/Underinsured Motorist: This insurance covers injuries and damages that occur in an accident with drivers who are not carrying car insurance.
Insure Your Vehicle Today
There’s no need to wait for great coverage. Call Simmons Insurance Agency at
or fill out an to protect your vehicle today.
Common Auto Insurance Questions
Why is Car Insurance Important?
Aside from liability insurance being legally required, car insurance is crucial to give you peace of mind while on the road. One bad accident could cost you thousands of dollars in damages, repairs and medical bills, not to mention possible lawsuits from injured parties. Car insurance helps you recover by covering some of the costs related to an incident.
How Much Car Insurance Do I Need?
Every driver’s car insurance needs are different. In general, you should have enough car insurance to cover the value of your vehicle. Speak with an agent at Simmons Insurance Agency to discuss how much insurance your vehicle needs.
How Many Car Insurance Policies Can I Have?
There is no set limit to how many car insurance policies you can have. If you have a teen driver, for example, you may choose to place them on a separate policy than your own. An insurance provider generally won’t insure the same vehicle twice, however.
How Much Does Car Insurance Cost Per Month?
The cost of car insurance depends on several factors, such as your age, gender, driving record, credit score, location, coverage limits, deductible and more. On average, drivers across the U.S. may pay around $129.58 per month for car insurance. Ask a Simmons Insurance Agency agent about how you can save on car insurance.