One Call.
Multiple Quotes.
We make top carriers compete for your rate. You pick the winner.
Progressive · Travelers · Nationwide · National General & more
Compare My Rates — Free
We are an authorized agent for these carriers
They compete for YOUR business. You get the best rate.
Easier Than An App.
Big insurance websites make you do all the work. Here's exactly how we handle the heavy lifting for you.
5-Minute Chat
Enter your zip, snap a photo of your current policy, or just call. We ask a few basic questions about your vehicles, home, and coverage. No bots — a real pro reviews everything.
We Shop & Compare
We force carriers like Travelers & Progressive to compete for your business. You get a side-by-side comparison — no pressure, no hard sell.
E-Sign & You're Done
Like what you see? E-sign from your phone. We handle canceling your old policy and notifying your mortgage lender. That's it.
Flexible Payment Options
Pay monthly, pay in full for a discount, auto-pay/EFT, or use credit/debit/check.
No obligation. No credit card needed. Takes about 5 minutes.
The "Single-Quote" Trap
Most agents work for one company and can only offer one price. We work for you.
Discounts We Hunt Across Every Carrier
Switching is Painless
The #1 reason people stay with expensive carriers? They think switching is hard. It's not.
The Old Way
Call your old company, wait on hold, fill out forms, notify your lender, coordinate dates... exhausting.
The Bill Layne Way
We handle the break-up. We cancel your old policy, notify your mortgage lender, and set up your new plan. You just sign on your phone.
Coverage That Counts
Tailored protection for your lifestyle in Elkin & beyond.
Auto Insurance
Compare rates on liability, collision, and comprehensive. Experts in NC Rate Bureau rules & available discounts.
Start Auto QuoteHome Insurance
Protect your biggest investment. Specialists in NC Coastal vs. Inland wind/hail coverage.
Start Home QuoteRenters Insurance
Protect your belongings even if you don't own the building. Often as low as $15-$25/month.
Get Renters QuoteSR-22 Insurance
Need an SR-22 filing? We specialize in high-risk coverage with same-day DMV filing available.
Get SR-22 QuoteBusiness Insurance
General liability, workers comp, commercial auto & BOP policies for Surry County businesses.
Get Business QuoteCoverage for Every Stage of Life
Hi, I'm Bill.
When you call the 1-800 numbers, you get a call center in a different state. When you call us, you get me or my team right here in Elkin.
And the best part? We usually find better rates than the 1-800 numbers because we check multiple companies at once.
"State Farm has Jake. We have actual Bill."
Why Families Trust Us
Over two decades of protecting NC families. Here's what that experience means for you.
Years Serving NC
Carrier Partners
Google Rating
Counties Covered
2004
Agency Founded in Elkin, NC
Bill Layne opens an independent insurance agency on Main Street, starting with auto and home insurance for Surry County families.
2010
Expanded to Multiple Carriers
Added Progressive, Travelers, Nationwide, and more to give clients real choice and competition for their business.
2018
Commercial Lines Added
Began protecting local businesses with general liability, workers comp, and commercial auto policies.
Today
Serving All of North Carolina
From Elkin to Charlotte, we now serve families and businesses statewide with digital quoting, e-signatures, and the same personal service we started with.
Your Local Claims Concierge
National apps are convenient until you have an accident. That's when you need a neighbor. We provide guidance and support when it matters most.
Filing Guidance
Reporting a claim can be stressful. We help you gather the right information and guide you through the initial filing process to help avoid common delays.
Claim Advocacy
If you feel like a number to the carrier, we step in. We help facilitate communication with adjusters to ensure your claim is handled professionally.
Trusted Local Pros
Need a reliable body shop or roofer in Elkin? We can share a list of local professionals that our clients have had great experiences with.
Explore Your Coverage
Tap the gold dots to see exactly what is protected (and what isn't).
Calculators & Tools
Analyze your coverage gap in seconds.
What Our Neighbors Are Saying
Don't take our word for it. Here's what real clients across Surry County have to say.
Verified"Bill found us better coverage for less money. He took the time to explain everything clearly. Wish I'd switched sooner."
Sarah M.
Elkin, NC
Verified"A tree fell on our house during a storm. Bill answered his phone on a Saturday and walked me through everything. He even met the adjuster at our house. That's real service."
Mike T.
Mt Airy, NC
Verified"I was nervous about switching but Bill handled everything. Canceled my old policy, notified my lender, set up my new plan. All I did was e-sign on my phone. Done in 10 minutes."
Jennifer R.
Jonesville, NC
Serving North Carolina
Local expertise in Surry, Wilkes, and Yadkin Counties.
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NC Insurance Questions Answered
Get quick answers to the most common insurance questions from North Carolina drivers and homeowners.
Stop Overpaying Today.
It takes 2 minutes to see if you could be saving on your NC policy. No obligation.