Anyone who drives in Hope Hills, NC carries auto insurance, but not everyone who drives in Hope Hills, NC understands their policy. Here are some of the most common misconceptions about auto insurance:

• A basic policy will cover you from theft. Actually, a legal-minimum policy doesn’t protect you from anything except liability. It’s only there to make sure that the other party’s losses are covered if you are found to be at fault in an accident. To cover your own car, you will need a more robust policy.
• Your policy will cover your car no matter what you use it for. There are some major exceptions to your policy’s coverage. Obviously, you can’t take your Honda to the drift track unless you have clearance from your insurer, and business use is limited. Make sure to call your insurer and ask before doing anything you’re unsure of.

If you’re looking for a provider, or if you have any questions, get in touch with Cross Creek Insurance. When looking for an insurer, you need to find an agency that will help you to get a policy that matches your lifestyle, your needs, and your budget. And that is exactly what Cross Creek Insurance is here to help you do.

Owning a car in the Hope Hills, NC area continues to be a necessity for many people that need to get around town. While a car can be fun to drive and keep you efficient, it is also a responsibility that needs to be properly cared for. A great way that you can do this is by getting insurance for it. There are several reasons to get auto insurance when you are here. 

Insurance Will Protect Investment

A good reason to get an auto insurance policy is that it will protect your investment. A car is a major purchase and something that people rely on. If you do not have an auto insurance policy and your car is stolen or damaged, you will have to pay to replace it or repair it. If you do not have the money to do so, you could be stuck without a car. With a full policy, you can mitigate this risk.

Insurance Gives Liability Coverage

You should also get an auto insurance policy as it will provide you with liability coverage. Driving a car always comes with risks. If you cause an accident, you will have to pay for the damages. With a full insurance policy, you will have protection against this risk. 

Anyone that is in the Hope Hills, NC area needs to spend time assessing their insurance needs. If you are looking for auto insurance here, you should also consider calling the team with Cross Creek Insurance. There are a lot of complexities that exist with picking auto insurance. The team with Cross Creek Insurance can give you the right guidance that will be needed to choose your next policy. This can help to ensure that you remain fully covered at all times. 

With the holidays right around the corner, you may be planning a road trip to visit your parents or in-laws. Holiday travels can be extremely stressful, especially if you’re spending a lot of time on the road. Whether you’re driving around North Carolina or out of state, these tips from Cross Creek Insurance can help you have smoother, stress-free travels.

Plan Ahead

Plan ahead for your trip. Mark your routes and choose your travel dates carefully to try to avoid congested highways. Give yourself plenty of time to arrive at your holiday spot safely.

Check Your Vehicle

Have your vehicle inspected before your trip to reduce your risk of car problems on the road. Schedule an inspection at least a week before traveling to give your mechanic in Hope Hills, NC time to make any necessary repairs.

Stop and Rest When Necessary

Take pit stops as often as necessary to rest your eyes and stretch, especially if you’re getting tired. Driving drowsy is a recipe for disaster, particularly when traveling long distances. If you’re traveling with kids, they will appreciate pit stops to release some of their pent up energy.   

Reduce Distractions

Put away your cell phone, tablet, or any other distractions that can take your mind off the road while driving. Don’t answer calls or texts when you’re on the road. Wait for a pit stop or pull over (if you can do so safely) to return calls or texts. Texting while driving is illegal in many states to include North Carolina, putting you at risk of getting fined.

Review Auto Insurance

Review your auto insurance to insure you have the necessary coverage for your travels. You don’t want to be caught unprepared in the event of an accident.

For quality auto coverage in Hope Hills, NC, contact Cross Creek Insurance.

Auto insurance is a necessary expense in most states as it is required by law in order to operate a vehicle. Because it is such a necessary expense, it is important to make sure you are always getting the best deal. At Cross Creek Insurance, serving Hope Hills, NC, we love helping our clients learn more about these important insurance topics. Keep reading to learn about when you should shop around for new auto insurance. 

Annually

It is recommended to shop around annually to make sure you are getting the best deal. Shopping once a year gives you a chance to compare rates and to find out about new discounts you are now eligible for. 

When Adding a Teen Driver

When your kids start driving, you will want to shop around to make sure you are now getting the best possible deal. Adding a teen driver can increase your rates, so getting the best deal is more important. You can talk to an insurance representative to find out exactly when you should add your teen to your policy. 

After A Marriage

If you are getting married or recently got married, you will want to look into combining your and your spouse’s auto insurance policies. In most cases, a couple can get a discount just for being married. Take some time to shop around and see who is offering the best married discounts. 

After a Divorce

After a divorce, you will need to take your spouse off of your auto insurance. If you are the spouse being taken off, then you will want to shop around for a new policy for yourself. 

If you would like to learn more about auto insurance, please call our friendly staff today at Cross Creek Insurance, serving Hope Hills, NC today. We look forward to answering your questions. 

If you are looking for auto insurance in Hope Hills, NC, you should consider Cross Creek Insurance. We offer many types of insurance to meet all your insurance needs. When shopping for auto insurance, here are the things you need to consider. 

How Much Coverage Do I Need? 

First, you’ll need to determine how much coverage you need. You are required to have the state minimum coverage, but you may need more. Do you have assets that could be seized in the event of a catastrophic accident? Does the coverage cover the cost to repair or replace your vehicle? Are you in a higher risk category? 

Which Types of Insurance Should I Choose?

There are several types of auto insurance.

• Liability insurance: pays for the other party’s damages in the event the accident is your fault
•  Collision insurance: often known as full coverage insurance. It will cover your damages in the event of a collision accident
•  Comprehensive coverage: coves things like vandalism, hail, and theft that are not collision-related.
• Medical payments: covers medical expenses for passengers in your vehicle
• Uninsured motorists: covers damages to your vehicle if the other party is at fault but has no insurance or inadequate coverage 

Compare Coverage

It’s important to comparison shop when you are choosing auto insurance. A trusted insurance agent can help you consider each policy and determine which is the best for you. You’ll need to consider more than just insurance premiums. Coverage limits and deductibles are also part of the equation. 

Cross Creek Auto Insurance

At Cross Creek Insurance, we provide auto insurance coverage for Hope Hills, NC residents. Our experienced agents can explain coverage options and help you choose the best policy for your needs. Contact us today to learn more about our insurance services. 

If you have a vehicle, you also have an auto insurance policy. That policy’s designed to protect your interests, and also protect other people if you’re involved in an accident. But if your policy isn’t up to date, you could be missing out on the level of protection and coverage that’s really right for your needs. That could put you and other drivers on the road at risk, without you even realizing it. At Cross Creek Insurance, we want to help all of our Hope Hills, NC customers get the proper auto coverage they deserve. You don’t need to settle for sub-par coverage or protection.

Following state requirements for car insurance is very important, but there are other coverages you can add, over and above state minimums. You can raise your coverage levels, or add options that the state doesn’t require but that can protect you better. The choice is up to you, and it’s important to be an educated consumer when you’re selecting a policy. Over time, your needs and situation may change. Your insurance policy should be updated to reflect those changes, to add to your peace of mind and the level of protection you and others on the road have from your insurance coverage.

If you’re in the Hope Hills, NC area, come see us at Cross Creek Insurance today or give us a call to talk about your auto insurance policy. Whether it’s through us or another company you want to switch away from, we can give you the information and guidance you need for a properly updated policy. Then you’ll feel safe on the road, and you can get back to enjoying your time behind the wheel. Having the right insurance is the best way to make your driving time better.

There are some beautiful sights in and around Hope Hills, NC, and you may find yourself distracted even if you’ve seen everything before.  At Cross Creek Insurance, we understand the challenges drivers face when it comes to paying attention to the road and practicing safe driving habits. Here are some easy tips to remember that will help you avoid dangers while driving:

1. Always wear your seatbelt, and make sure all passengers are safely buckled in. If you are transporting small children, keep them in the right kind of restraints or child safety seats and ensure they are fastened securely in. Even if you are secure, your unsecured passengers could turn into fast-moving projectiles if you are in an accident. 
2. Do all the recommended maintenance on your vehicle, including regular oil changes and tire rotations.  Some accidents can’t be avoided, but keeping your car in good condition will help prevent some incidents like tire blowouts. 
3. Observe the posted speed limits. Keep an eye out especially for work zones and school zones, where you might have to adjust your speed quickly. Slowing down won’t just potentially save your life; you’ll also save gas by driving slower. 
4. Watch where you’re going. Don’t just focus on the car directly in front of you; take in other traffic ahead of you and look for stoplights and road signs. Distracted driving is the most common cause of accidents. 
5. Also make sure you have your mirrors set so you can see around your vehicle, and check your blind spot regularly. 
6. Use your turn signals. Other drivers will more easily be able to adjust to your turns and lane changes if you let them know first. 

If you are in Hope Hills, NC and would like to find out whether you may qualify for better insurance rates because of your good driving history,  or if you have any questions at all,  don’t hesitate to call Cross Creek Insurance.

There are plenty of ways for you to winterize your car in Hope Hills, NC. The last thing you want to deal with is winter hitting without you being prepared. With a few tips on winterizing your vehicle as well as help with auto insurance from Cross Creek Insurance, you can be ready as soon as the winter storms start rolling in.

Winterize Your Vehicle

It’s important to prep your car for the colder months. Otherwise, you run the risk of it not starting or it not able to stay on the road. Consider a few tips:

• Check the health of the battery
• Change the windshield wiper blades
• Check your tire pressure
• Change the oil

Additionally, you should stock your car with a few emergency supplies. This includes a flashlight, a jacket, gloves, and a shovel. If you get stuck on the side of the road, these supplies can help you get out of various situations.

Review Your Auto Insurance

You should take the time to review your auto insurance policy in Hills, NC. This way, if you’re involved in an accident, you know that you can file a claim with the insurance company. Particularly with winter storms, you may experience snow and ice on the roads. It’s easy to lose your way and run off of the road or even hit something in the road. To avoid paying out of pocket for an expense, you can rely on your insurance.

One of our agents can review your policy to ensure it offers comprehensive and collision coverage that can protect you further in the winter months.

Stop in or call us at Cross Creek Insurance today to learn more about prepping your vehicle for the snow. We can also provide you with no-obligation insurance quotes to provide you with the coverage that you need.

 

 

There are a variety of factors that come into play when determining the insurance rates for your vehicle, from your driving history to your zip code. However, the make and model of your car can also impact your auto insurance premiums. Here’s what you need to know from Cross Creek Insurance about how your vehicle’s make and model can affect your insurance rates. 

Liability VS Comprehensive Insurance 

Liability insurance covers any damage or loss you may inflict on other people or property in the event you are deemed at-fault in a covered event. It is the bare minimum of insurance required by law in Hope Hills, NC, and your make and model of the car will not affect the premium. Liability insurance covers other people’s vehicles and property, not yours. If you are involved in an accident, it doesn’t matter whether you drive an older car or a newer one, because the policy won’t pay for damage to your vehicle. 

If you have comprehensive insurance coverage, when you are involved in a collision, your Cross Creek Insurance collision insurance policy will cover the value of your vehicle. So, driving an older, less expensive vehicle will cost more to cover than a newer, more expensive model. 

Other Factors Involving Make and Model

The make and model of your vehicle typically doesn’t have as much impact on liability premiums compared to other factors such as your driving history, however, the exception is that driving a big, boxy vehicle in Hope Hills, NC can, simply due to the fact that their size and weight can cause more damage to other cars and property.  

Here are some other reasons your vehicles make and model can affect your premiums: 

• More valuable vehicles are more costly to insure 
• Luxury, high-end makes are more expensive to find parts for repairs 
• Certain manufacturers and models offer more personal protection such as anti-lock brakes 
• Certain makes and models are involved in more accidents 
• Makes and models without certain theft-protection features have higher theft rates 

For more information about other factors that may have a significant impact on your auto insurance premiums, call Cross Creek Insurance today! 

When it comes to auto insurance, many factors may influence the amount of the policy and its premiums. One of the primary factors in an accident and citation history. Each time an incident is reported, it is going to influence your ability to obtain coverage and the amount the policy will cost. 

How An Accident Effects Policy Premiums And Cost

If you are in an accident, you will likely see an impact to your premiums and the cost to reestablish your policy at the end of the term. Even if the accident is minor, it can have a major impact on your ability to secure a policy from certain insurance providers and may also make the cost of the policy increase significantly. The best way to find out how an accident will impact you personally is to consult with an experienced insurance agent. 

Finding A Cost-Effective Auto Policy 

If you have had a recent accident in the last few years, you may face issues with finding a policy that stays within your budget. However, with the assistance of a skilled insurance agent, you can discover options that fit your needs and keep your costs to a minimum. If you are living in or near the Hope Hills, NC area, you can count on Cross Creek Insurance to give you plenty of cost-effective auto insurance options that help you stay compliant and protect you while you are on the open road or even parked at home.

Establishing good insurance protection can also largely depend on the provider and the agents they have serving their clients. If you would like to speak with an agent about your options, call or stop by Cross Creek Insurance, serving the residents of Hope Hills, NC.