Category: Auto Insurance

Driving without auto insurance is illegal in most US states, including Nashville, NC. Local drivers who are weighing options for the best auto insurance can learn how road conditions affect their auto insurance in this guide from the Steiner Insurance Group.

How Weather and Road Conditions Affect Your Auto Insurance

Ideal driving conditions certainly include sunshine and clear roads. However, the reality is that severe weather conditions and poor road states can affect the quality of your driving experience and test the reliability of your auto insurance. Discover how severe weather and hazardous road conditions can wreak chaos with your insurance.

Severe Weather Can Impact Auto Insurance Coverage and Rates

Driving in severe weather increases the chances of being involved in an auto accident, getting side-swiped, or even having your vehicle hit while it’s legally parked. You can offset the potential costs of damages, fees, and liability claims by investing in comprehensive auto insurance that covers both collision and non-collision-related automotive incidents affected by weather.

Hazardous Road Conditions

Hazardous road conditions, construction, and hours spent in stop-and-go traffic on long work or pleasure commutes can all lead to automobile accidents, object collisions, or other unexpected events while navigating Nashville roads.

Get Complete Auto Insurance Coverage in Nashville, NC

Confirming that you have the best auto insurance coverage available is the simplest way to ensure that all of your vehicles are completely covered for even the most unexpected mishaps that can affect your rates.

Contact a knowledgeable and friendly agent at Steiner Insurance Group in Nashville, NC, to learn more about your best auto insurance coverage options and how local road and weather conditions can impact your rates.

If you’re looking for auto insurance in the Nashville, NC area, Steiner Insurance Group can help you find the right coverage to meet your needs. For many people, basic coverage is all they want, but it’s important that you understand what that covers. You might want to add more options for your vehicle, and if it’s financed, your lienholder will generally require you to have more than just the basics. 

Make some Considerations

First, basic coverage is typically state minimum coverage and involves liability protection and protection for personal injury. If you’re injured in an accident or your property is damaged, this coverage will be what you’ll use when you make a claim. However, that doesn’t provide you with protection to repair your vehicle or to cover it if it’s stolen, among other concerns. That’s why you may want more than just the basics, including comprehensive and collision, on your auto policy.

Rather than choose the basic level of coverage, it’s a good idea to work with a trusted, professional agent to get the kind of coverage you actually need for your vehicle. That can give you more protection and provide you with additional peace of mind. You don’t have to settle for less than you want or deserve when it comes to taking good care of your vehicle for the long term.

When you’re in or around the Nashville, NC area and looking for auto insurance information and coverage options, contact us at Steiner Insurance Group. We’re here to help you get the proper coverage limits and a policy that gives you all the protection you want. We’ll happily answer your questions so that you can feel confident in your chosen policy.

Knowing the type and amount of auto insurance coverage you need can seem like a mystery. That’s where the team at Steiner Insurance Group comes into play. We are here to give the residents of the greater Nashville, NC area the information they need to make good decisions when it comes to insurance. If you have questions, we can help.

Choosing an auto policy that provides adequate medical expense coverage

When it comes to medical expense coverage, it can be difficult to know how much coverage you need. Fortunately, when you work with a local agent, the process becomes a lot less of a guessing game. Medical expense provides protection in a number of different ways. It will protect you, your passengers, and any other people who are injured in an accident in which you are involved. When you have the right protection included in your auto policy, it is less likely that you will be held financially responsible for any medical expenses.

Auto accidents can be traumatizing, especially when they cause serious injuries. When you have adequate coverage in place, you can worry less about medical expenses and focus on healing and recovering. No one wants to be involved in a serious accident, and when they cause physical injury the effects can be felt for a long time after the injuries heal. Protect your physical and financial health by having the medical expense protection you need.

We look forward to working with you!

Steiner Insurance Group is here to help the greater Nashville, NC community with all of its insurance needs. We have answers to all of the insurance questions that you may have. If you need help with your insurance, give us a call or stop by today.

Many people mistake that their car insurance policies will automatically cover their motorcycle; however, this is generally not true. If you already have an existing auto insurance policy, you may be able to ask your insurance provider for a motorcycle endorsement, which is simply an extension of your policy that includes coverage for your bike. Alternatively, you can also purchase a separate motorcycle insurance policy. Similar to auto insurance, the basic tenets of a motorcycle insurance policy include liability, comprehensive, and collision coverage. Specifically, in North Carolina, motorcyclists are required to carry a minimum level of liability insurance that protects the policyholder from the damage they cause to third parties and their property. In North Carolina, the minimum requirements are as follows:

• Bodily Injury Liability: $30,000 per person/$60,000 per accident
• Property Damage Liability: $25,000

Bear in mind that these figures are only the minimum requirement and are unlikely to provide complete financial protection if you are at fault in a motorcycle accident. In addition to motorcycle insurance requirements, North Carolina also requires that all motorcycle owners have a learner’s permit or endorsement on their regular driver’s license, which can be obtained via passing a motorcycle knowledge test, a road sign identification test, and a vision test. Additionally, you and any passengers are required to wear a helmet that signifies compliance with DOT requirements via a sticker stuck permanently to the back. 

At Steiner Insurance Group in Nashville, NC, we can help you navigate the complexities of motorcycle insurance to ensure that you have adequate coverage and are not running afoul of state laws and regulations. Give us a call today to schedule a no-obligation consultation.

When you own a vehicle in North Carolina, you are required by law to have an insurance policy for it. That policy has to meet or exceed several criteria that are determined by state law. If you don’t have car insurance, give us a call right away at Steiner Insurance Group in Nashville, NC.

Liability Coverage

When you get your auto insurance policy, it must contain three different amounts that are for your liability. There is one amount required for one person who suffered a bodily injury in an accident. There is another amount required for everyone who has bodily injuries from an accident with your vehicle. There is also a required amount for property damage that is done with your vehicle. Having these minimum amounts of coverage can protect you from a lot of costs that can result in an accident. 

Uninsured and Underinsured Motorist Coverage

This type of coverage protects you in case you are in an accident with a motorist who either doesn’t have enough insurance or has none at all. When the other motorist is at fault for an accident with your vehicle, they may have no way to pay for your medical bills and property damage without having enough insurance. With this coverage, the policy will pay for those bills up to its maximum payout. There is a specific amount required for the bodily injury caused to one person as well as a larger amount required for everyone who gets injured in the accident. A different amount is required for your property damage. 

Get Your Auto Insurance

In North Carolina, it doesn’t pay to have too little insurance. These minimum amounts of coverage are required, but it’s best to increase those amounts so that you can pay for serious accidents. If you are in need of auto insurance, give us a call at Steiner Insurance Group in Nashville, NC.

Auto insurance is designed to protect you against the injuries and property damage that auto crashes can cause. Although auto liability insurance is the only coverage required in North Carolina by law, that doesn’t mean you don’t need the protection that additional auto insurance coverage can provide. Here’s the protection that a well-rounded auto insurance policy from Steiner Insurance Group has to offer:

• Collision – If you collide with another vehicle or run off the road and hit a tree, fence, or telephone pole, collision coverage helps pay for your vehicle repair costs. Depending on your accident’s severity, this could save you a substantial amount of money out of pocket.
• Comprehensive – Vehicle theft isn’t uncommon in North Carolina, putting Nashville, NC car owners at risk of being a target. Comprehensive insurance protects you against vehicle theft by compensating you for its market value. It also pays for damage to your vehicle from non-collision causes such as bad weather, vandalism, and falling objects.
• Uninsured Motorist – This insurance pays for your vehicle repairs if you’re hit by a driver who has no insurance or insufficient insurance to cover the cost of your damages. It also protects you from hit and run drivers.
• Roadside Assistance – If you’ve ever had your car falter in the middle of nowhere, you’ll appreciate the protection that roadside assistance has to offer. Roadside assist covers the cost of towing your vehicle to a repair shop, so you’re not left stranded on your own.
• Liability – North Carolina requires that you carry minimum liability coverage to protect others in accidents you cause. If your vehicle is registered in the state, your coverage must come from a licensed North Carolina insurance provider.

To get a quote for auto coverage in Nashville, NC, contact your Steiner Insurance Group agent today.

Anyone in the Nashville, NC area and loves cars will dream of owning a classic car. If you are a classic car owner, you will want to ensure that your prized asset is adequately covered and protected at all times. A great way that you can do this is by getting a full classic car insurance policy. 

Those that Want to Protect the Value

One situation when someone may need to have classic car insurance coverage is when they want to protect the value of the vehicle. A classic car is a unique type of vehicle because it can appreciate as time goes by. Due to this, you will want to make sure that the value is covered correctly. With a classic car policy, you can receive the protection you need to cover the collectible value and protect your investment.

Those that Want Reduced Liability Risk Policy

You should also get a classic car insurance policy if you want to take advantage of the reduced liability risk. The typical classic car owner is not going to drive a vehicle as frequently as they would drive a normal car. Due to this, your actual liability risk is much lower. When you get a specialized classic car policy, it will ensure that your premiums reflect this reduced risk.

There are many reasons to get a classic car policy if you are in the Nashville, NC area. Those in this area of Tennessee will want to make sure that they fully understand their options. When you are looking for a new policy for your classic car, you should call the team at Steiner Insurance Group. The insurance team at Steiner Insurance Group can provide you with the necessary coverage to protect your vehicle. 

When buying insurance in Nashville, NC, the only coverage that you are legally required to carry is liability insurance on your vehicle. Liability insurance helps to cover the other party’s damages if you are found to be at fault in an accident. All other types of auto insurance, including collision and comprehensive, gap coverage, and replacement coverage, are strictly optional.

So here’s the question: Is it worth the extra cost of buying all that protection?

The Formula

The answer comes down to a simple formula: Are you spending more on premiums each year than your car is worth in total?

If the answer is no, then there’s not much reason to buy full coverage for your car. If you’re driving around an old 1990s Ford that you could replace yourself should something happen, then your insurance can’t do much for you that you can’t already do for yourself.

We do tend to have an emotional attachment to our cars. Maybe the bluebook value of your vehicle is only a couple thousand dollars, but the personal value makes it irreplaceable. Unfortunately, insurance can’t help on that front. The insurance covers the financial losses should something happen, but it can’t guarantee that nothing ever happens in the first place.

Check your car’s bluebook value now and then, and remember to be honest with yourself when buying insurance. We like to think our cars are worth a little more than they are.

If you’re shopping around for insurance in Nashville, NC, remember that full coverage might not be worth it when you call Steiner Insurance Group. Steiner Insurance Group can help you get covered against expected losses, but, unfortunately, the emotional value of any vehicle, whether brand new or a couple of decades old, can’t be salvaged.