Auto Insurance

Onslow County Auto Insurance Policy

North Carolina drivers have diverse interests and needs when it comes to automobiles and auto insurance. Wagoner Insurance has the right coverage to meet all those needs and more. Automobile owners in the state of North Carolina are required to carry a certain amount of auto insurance. But did you know that this offers no coverage for repairs or replacement of your own vehicle? Whether you are in need of an individual auto policy, or a business auto policy you’re going to need to go beyond the state minimum in order to sufficiently protect your interests as an auto owner. 

What Type of Car Insurance do North Carolina Drivers Need?

The problem with automobile insurance for the average person is that it’s difficult to guess how much coverage, or what type of coverage you actually need. While you do not want more coverage than is necessary, you also don’t want to find out your insurance coverage is not sufficient to meet your needs after an accident has occurred. That’s why it’s so important to work with dedicated, professional agents, like ours, to make sure you’re getting the right coverage for the right price to protect your interests best. These are some of the types of coverage you’re likely to need as a driver in North Carolina.

  • Bodily Injury Liability
  • Medical Payments Coverage
  • Property Damage Liability
  • Comprehensive and Collision Coverage
  • Uninsured Motorist Coverage

Depending on your driving history and the areas where you live, work, and drive on a daily basis, your coverage needs may vary. Discuss your situation with one of our friendly, knowledgeable agents and we can help you get the right automobile insurance coverage for your circumstances. 

Mitigating Auto Insurance Costs

For most families, auto insurance is an expense you’d like to keep as low as possible – without sacrificing coverage. This means that you’re looking for ways to save money or cut costs on your insurance. These are a few ideas to consider to lower your car insurance obligations.


Bundle Policies. Many carriers offer discounts to customers who purchase multiple policies.

Switch Vehicles. Some makes and models have higher insurance costs. Switch from a high-cost model vehicle to one that has traditionally lower costs for substantial savings.

Increase Deductibles. Raising your deductibles means you’ll pay more out of pocket when an accident occurs. This can save you a great deal of money on your monthly premiums.

Practice Safe Driving. Safe drivers often receive discounts on your policies. Insurance companies set premium rates based on risk. Safer drivers pose fewer risks to insurance companies who often reward them with discounted premiums.

Work with an Agent. Our agents are aware of many discounts available to drivers and trained to help you identify areas where you can cut costs while still receiving outstanding insurance coverage.