Our companies provide liability coverage to protect you in the event you hit something with your vehicle. Liability coverage is the minimum coverage required by the State of North Carolina. 30/60/25 means that you are covered up to $30,000/per person; $60,000/per car of people; $25,000/property damage. Although these rates are the lowest required to operate a vehicle in NC, we recommend that you purchase the amount of coverage that will protect you best. If you have the lowest limits and incur damages higher than what the policy limits cover, you will be responsible for the difference out of your pocket. This may be substantial if you are involved in a serious accident. Liablilty rates are very reasonable when you increase them above the minimums! We can offer over a million dollars in protection for drivers that have higher limits and a personal liability umbrella policy. We always recommend that you purchase the amount of protection required to protect your assets.

Full coverage insurance protects your vehicle when you purchase comprehensive and collision insurance. Comprehensive or "Comp" covers your vehicle if the windshield is struck by an object. It also covers fire, theft and objects such as falling trees that damage your car. Collision covers your vehicle if you incur damage from anything you may run into such as another car, tree, mailbox, etc. Older vehicles may not require collision coverage; however; we do recommend keeping the "comp" coverage since it is inexpensive and covers your vehicle in the event of fire, theft and blowing objects like trees & other car doors that may damage your vehicle!

The deductible you choose to set is a co-payment meaning that if you suffer a loss, the insurance company will pay the claim minus the deductible. Higher deductibles can save you premium dollars but mean that small claims may not be covered and you will have to pay more out of your pocket on any claim filed.

Many companies also offer MedPay, which covers you & those in your vehicle if you are injured in a accident. You can also have Towing & Labor (locksmith service in case you keys are accidently locked in the car & towing in the event of a breakdown), Rental car reimbursement (while renting a car when you have had an accident & your car is in the shop being repaired) , Rental Car (protection when you rent a car on vacation or for personal use) and Motor Club assistance. Safeco also offers TeenInurance, which has been featured on the National news recently. The system installed in your teen's car will enable you to see how fast they drive and where they go? This helps you to work with them on being a safe driver. These additional benefits are very affordable and should be considered when you purchase an auto policy.

The Williams Company provides excellent auto rates and companies to choose from when insuring your vehicles! We will place you with a company that serves your needs best.