Auto Insurance That’s Uniquely You
Auto insurance not only protects you when the unexpected happens – it’s also required by law. Auto insurance is by no means a one-size-fits-all proposition. At Joel T. Cheatham Insurance Agency, we coordinate with several quality insurance companies to offer you a broad range of plans and options. Our agency has served the people of Henderson, NC, and surrounding communities since 1914. We have long-lasting relationships with our auto insurance clients based on a foundation of trust and personal care. Contact us today for a free quote so you can make an informed decision about your auto insurance.
A Policy Suited for You
There are two main types of auto insurance. The type of plan you choose depends on a few factors, including your budget, whether you own, lease or are paying off your vehicle, and a few other factors. Our certified insurance agents are knowledgeable about both types of auto insurance, so we can provide you the best-suited coverage options.
Liability Auto Insurance
Liability insurance is designed to protect you financially, up to your limits, when you cause injury to another driver or damage to his or her property during an accident. It protects you when you are “liable” for an accident. This type of insurance also can cover legal costs that arise if you are sued after an accident, up to your limits. Liability insurance traditionally does not cover the cost of damage to your vehicle or property or injury to yourself in an accident, regardless of fault.
Liability insurance is typically much more affordable than full-coverage insurance. There are several unique terms and choices among liability plans that will affect the level of coverage your policy provides, your premium (your payments to maintain coverage) and your deductible (the amount you are responsible for in the event of an accident). Our certified agents can help you select a liability auto insurance plan that will adequately protect you when you’re at fault for an accident.
Full Coverage Auto Insurance
Like liability auto insurance, full coverage auto insurance protects you from financial responsibility, up to your limits, for damage to another person’s property or body when an accident is your fault. Additionally, full coverage insurance pays for damage to your property and for any injury you sustain after an accident that is your fault. It also covers you if an accident isn’t your fault, but the responsible party or parties have inadequate or no insurance coverage. In most instances, you are required by law to carry full coverage insurance if you lease your car or are paying off a loan.
Full coverage insurance costs more than liability insurance, in most cases, because it promises to cover more when an accident occurs. At Joel T. Cheatham Insurance Agency, we offer competitive rates for full coverage plans, with flexible premiums, coverage limits and additional coverage options.
With You at Every Step
Our certified insurance agents are here for you when you purchase a policy, but more importantly, when you need an agent most. In the unfortunate event that you need to file a claim, our team is here to answer your questions and guide you through the process. Throughout the life of your policy, we are here to serve as a resource for your questions on rates or policy changes as your life changes. If you need auto insurance in Henderson, NC, or surrounding areas, contact Joel T. Cheatham Insurance Agency for a free quote.