Car owners in North Carolina are required to have auto insurance to drive legally. If you live near Hope Hills, NC, and need auto insurance, you can find the policy you need at Cross Creek Insurance. We have been serving clients in this area since 1997.

Safe driving guidelines should always be on your mind. Being able to stop safely is an essential element of safe driving, and a safe following distance can help you be sure you can stop when you need to. In the past, a safe driving distance was considered one car length per ten miles per hour. However, this rule has proved challenging, as car lengths vary.

The “Two Second Rule”

According to the Southeastern Driver Training Center, a North Carolina DMV requires a two-second following distance. To measure that distance, it is suggested you pick out a stationary object, like a traffic sign, and watch as the car ahead of you passes that object. As soon as they pass that object, you should begin counting, “one thousand one, one thousand two, etc.” When you reach your selected object, the number you have counted will be the number of seconds of your distance.

Other than North Carolina, many states now recommend at least three seconds’ distance. Some driving conditions, such as heavy snow, driving rain, or fog, will require additional distance for safety.

Call Us for an Appointment Today

If you drive safely, you should also ensure your auto insurance policy is the right one for you. Auto drivers in the Hope Hills area are encouraged to talk to one of our experienced agents at Cross Creek Insurance. Call us for an appointment today, and we will ensure you have the auto insurance you need.

At Cross Creek Insurance of Hope Hills, NC, one of the most frequent questions we get is, “How often should I compare auto insurance rates?" You may be wondering the same thing.

If you are otherwise satisfied, how often should you check rates?

The fact is that consumers should check and compare auto insurance rates annually. Why?

Auto Insurance Rates Change

The reality is that auto insurance rates change annually and at different levels for different providers.

You may get an appealing rate for one year, but after a few annual “adjustments,” that rate may no longer be attractive. Monitoring rates can ensure you are getting the best price available.

Circumstances May Change

If you get married, build a problem-free driving record, or qualify for other discounts, you may be eligible for savings. You may even have a previous violation or accident that is no longer on your driving record. Unless you compare, you wouldn’t know.

Other Providers May View You as More Desirable

Some providers may weigh your driving record, age, or even credit rating more heavily. These factors may all significantly change the rates you pay. Comparing helps ensure your best price.

Get a Quote Today

Getting a car insurance quote may be easier than you realize. If you live in the Hope Hills, NC, area, we encourage you to contact Cross Creek Insurance. Answer just a few questions, and you could be on your way to more significant savings on your car insurance.

We look forward to helping you maximize your car insurance budget. We may even be able to uncover previously hidden discounts. 

Comprehending Essential Auto Insurance Coverage Types in North Carolina

Certain types of coverage are indispensable when choosing an auto insurance policy in North Carolina. Here, we outline the necessary components for your policy. For any auto insurance requirements, contact us at Cross Creek Insurance in Hope Hills, NC.

Bodily Injury Liability Coverage

Bodily Injury Liability is a critical, legally mandated coverage type. It handles large costs arising from injuries incurred in an accident with your vehicle. In recent years, medical costs have escalated rapidly, and without this coverage, you could be burdened with hefty medical bills. This coverage ensures the policy settles these bills, not out of your pocket.

Property Damage Liability Coverage

Similar to Bodily Injury Liability, Property Damage Liability covers the cost of damaged property belonging to another party in an accident. Whether it’s damage to the other party’s vehicle or local infrastructure, having this coverage ensures that the affected parties receive the necessary compensation.

Collision Coverage

Collision Coverage covers property damage to your vehicle caused by an accident. This is especially important if you are deemed at fault for the accident. While this coverage isn’t a legal requirement, it is invaluable for protecting your financial security.

Procure Your Auto Insurance Today!

Contact us at Cross Creek Insurance in Hope Hills, NC today if you need comprehensive vehicle protection through an auto insurance policy.

Are you the owner of a new vehicle? Do you get behind the wheel regularly? If you said yes, you probably realize auto insurance is crucial and necessary. Auto insurance has a special mission: it offers drivers and car owners safety and financial security on the road. If you are looking for auto insurance in 2024, you may have certain questions. Look at the answers to some of them:

How much coverage should you get?

Several factors determine the amount of coverage. They include the unique features and characteristics of your vehicle and your personal needs. In general, it is recommended to have comprehensive coverage, collision coverage, and underinsured/uninsured motorist coverage. 

What does standard auto insurance cover?

It depends on the coverage you choose. The state minimum covers property damage and injury-related expenses. The minimum coverage may not necessarily cover you and your car. That is why you may need to purchase additional protection. 

How different are comprehensive and collision coverage? 

They are absolutely different, and their main difference is what they cover. Thus, comprehensive coverage covers situations not related to collisions and road accidents. It could be vandalism, theft, natural disasters, and more. Collision coverage covers a vehicle if it gets damaged in an actual accident. 

Are you a driver residing in Hope Hills, NC, or any other town in North Carolina? Are you searching for an agency that will help with auto insurance? Stop looking – Cross Creek Insurance is exactly what you need. Our team will answer your questions and help you get the perfect plan. Call us today or visit our website. 

When you get an auto insurance policy, it comes with a lot of different types of coverage. Some of these are required by the state, and some aren’t. Having all the coverage types can be helpful so that you and your vehicle are well-protected. Having liability insurance is required, and this comes in two types. There is bodily injury liability and property damage liability. To add to this coverage, you should have both collision and comprehensive coverage. Each protects you in a different way. Contact us at Cross Creek Insurance in Hope Hills, NC to get your auto insurance policy.

Collision Auto Coverage 

When you have liability coverage, it will cover the damages done to someone else and pay for their medical bills and repair bills. However, liability coverage doesn’t pay for damage to your vehicle. If you’re found to be at fault for an accident, collision coverage will pay for the damages to your own vehicle. If the vehicle is totaled, the policy could pay for a new vehicle or pay what the vehicle was worth when it crashed, depending on your specific policy. No one should be without this coverage just in case they should be at fault for an accident. 

Comprehensive Coverage

It’s also important to opt for comprehensive coverage in your auto policy. This coverage protects you against many things that can happen when the vehicle isn’t being driven. Many accidents and other incidents can happen to a vehicle when it isn’t on the road. With this coverage, you’re protected against them. 

Get Auto Insurance

If your auto policy doesn’t include comprehensive or collision coverage, it’s time to add it. Call us at Cross Creek Insurance in Hope Hills, NC to discuss the types of coverage you need. 

The right level of auto insurance protection is essential whether you are an adult or a minor driver. If you or your child needs reliable auto insurance coverage, the experts at Cross Creek Insurance can assist you. We proudly offer residents of Hope Hills, NC, quality insurance products. 

Teen Driver Coverage in North Carolina

If your child has started driving, you need to determine what type of insurance is required to protect them and meet legal requirements for your state. In most states, teen drivers must be 18 years of age before they can have a policy of their own. 

If a minor driver needs coverage, an adult parent or guardian can add them to their insurance coverage. To determine how much the policy changes and what type of protection is advised, consult one of our knowledgeable and helpful insurance agents who can provide insight and recommendations. 

We can help you determine where you can make changes or additions to your current policy to help add extra protection for you and your family. We aim to ensure you understand the terms and conditions to make an informed decision. We can even assist with any changes to the policy or claims submissions. 

Reach Out to Cross Creek Insurance Today

If you want to learn more about insurance coverage for minor drivers or other excellent insurance options, please don’t hesitate to contact us. Call or stop by Cross Creek Insurance to find out how Hope Hills, NC residents can get peace of mind through reliable insurance coverage. Let us show you how you can get coverage that protects your minor drivers and gives you security while they are on the road. 

North Carolina drivers are required to have auto insurance. At Cross Creek Insurance in Hope Hills, NC, we offer auto insurance policies. We keep you legal and help protect your assets. We believe it’s essential to understand your auto insurance options. 

Liability Auto Insurance

Liability auto insurance is required by North Carolina law. If you are at fault in an accident, liability coverage will cover the costs up to the coverage limit. 

Property damage liability covers damage to other drivers’ vehicles. Bodily injury liability covers physical injuries to other drivers and passengers. 

Liability coverage also includes uninsured motorist coverage. If you are not at fault in an accident, but the other driver has no insurance, this portion of the policy will cover damage to your vehicle and medical expenses you have up to the coverage limit. 

Comprehensive and Collision Coverage 

Comprehensive and collision coverage is also known as full coverage insurance. Collision coverage will pay to repair or replace your vehicle if the accident is your fault. 

Comprehensive coverage covers damage to your vehicle when it’s not in operation. This includes storm damage, vandalism, and theft.

This type of coverage isn’t required by law. However, if you have a lien on your vehicle, your lender will probably require you to have this coverage. 

Gap Coverage 

If you own a newer vehicle, you should also consider gap coverage. If you have a lien on your vehicle and it’s totaled, the car’s value may be less than your loan amount. 

Gap coverage will cover the difference, so you aren’t left with a loan balance. 

Auto Insurance at Cross Creek Insurance 

If you need auto insurance in Hope Hills, NC, contact us at Cross Creek Insurance. Our experienced agents will discuss your needs and help you select a great auto policy for your situation. 

It can be stressful for parents when their teenager is ready to drive. You want your teen to stay safe and make intelligent decisions, but you also need to factor in the cost of auto insurance. When should you add your teenager to your auto insurance policy? Do they need a learner’s permit or driver’s license first? Cross Creek Insurance is here to help.

When Should I Add My Teenager To My Auto Insurance Policy? 

Adding a teenager to an auto insurance policy can be tricky. In North Carolina, you are not required to add teen drivers until they have their driver’s licenses. However, it is usually recommended that you add them as soon as they have their learner’s permit to cover them if they get into an accident while practicing driving with supervision. Watching your teenager drive is stressful enough without worrying about how you’ll pay for anything that goes wrong.

What Are The Benefits Of Adding A Teenager To An Auto Insurance Policy Early? 

The main benefit of adding a teenager early is that it ensures that all drivers in the household are adequately insured and protected if an accident occurs. If you wait until after your teen has obtained their driver’s license and then add them, any accidents between the time of getting the license and being added will not be covered by your insurance policy—which could be very costly for you as the parent if an accident were to occur. For more information on adding teens to your Hope Hills, NC auto policy, contact Cross Creek Insurance today!

Are you a licensed driver in the Hope Hills, NC area? If you need auto insurance, see the professionals at Cross Creek Insurance for the coverage you need.

Why is auto insurance important?

It is mandatory in 48 out of 50 states. Without proper insurance coverage, you would have to pay the penalty and risk losing your driving privileges.

Accidents can damage other vehicles or property belonging to a third party. An insurance policy can pay for the expenses that would otherwise need to be paid out of pocket.

Besides property and vehicle damage, an accident can cause personal injuries, which can be severe. A policy can cover personal injury, so you do not have to pay for the care of an individual who has suffered injuries you are responsible for.

There is also extra coverage available called riders. Some include zero depreciation, engine coverage, and roadside assistance. They expand the scope and benefits of your policy.

If your car is totaled or stolen, insurance will pay for the expense of a new car. An auto insurance policy has an IDV, an insured declared value, which is the amount that the insurance company will pay in case of a theft or total loss.

Several policies also offer coverage if your car is damaged due to a weather event or fire. If you live in an area with uncertain weather, a policy of this type is a must for the safety of your vehicle.

Car insurance covers not only the damage to your car, property, or others involved but also any legal fees if the case goes to court.

Make sure you are driving within the law. The Cross Creek Insurance company, serving the Hope Hills, NC area, can provide the coverage you need. Contact our office today. You will be glad you did.