We force Progressive, Travelers, and other top carriers to compete for your business. You get the winner.
Many NC drivers who switch through our agency may save hundreds per year.* Individual results vary.
We are an authorized agent for:
These carriers compete for YOUR business so we can help find you the right coverage at a competitive price.
Click any logo to learn more about that carrier in North Carolina
Curious what you might pay? Use our quick estimator based on NC statewide averages. No personal info required.
*This tool provides general estimates only and is not a quote or guarantee of any rate. Your actual premium will depend on your specific driving history, vehicle, location, and other underwriting factors. Rates are determined by the insurance carrier.
Estimated Monthly Premium
$--/mo
Annual: $--
*Estimate only. Not a quote or guarantee of any rate. Actual premiums determined by carrier underwriting.
Get a Personalized Quote →Don't just meet the requirements. Protect your lifestyle.
Mandatory in NC. Pays for damage/injury you cause to others.
Covers theft, weather, hail, and hitting a deer.
Fixes your car after an accident, regardless of fault.
Protects you if hit by a driver with no insurance.
Bodily Injury Liability
$50k per person / $100k per accident
Property Damage
Covers damage to other vehicles/property
Pro Tip: State minimums are often not enough. One serious accident can exceed $50k easily.
*Discount availability and amounts vary by carrier and individual eligibility. Not all discounts available with all carriers.
Free resources to help you make smarter insurance decisions.
Side-by-side chart of liability, comprehensive, collision, and more.
View Chart →New to auto insurance? Start here for the basics you actually need.
Read Guide →Step-by-step guide to filing a claim in North Carolina.
Read Guide →Decode the fine print, definitions, and what your dec page means.
Read Guide →Money-saving tips and local updates.
Have these items handy and we can get you a comparison in minutes.
Current declarations page
Shows your current coverage and premium
Driver's license numbers
For all drivers in your household
Vehicle info (year, make, model)
VIN if you have it, but not required
Desired coverage levels
Or we can help recommend the right fit
Don't have all of this? No problem. Call us and we'll walk you through it.
Let us shop multiple carriers to help find you the right coverage at a competitive price.
These aren't actors. They're your neighbors who let us share their story.
*Individual savings vary based on coverage, driving history, and other factors. These testimonials reflect individual experiences and are not a guarantee of savings.
Elkin, NC
"I was with Geico for 8 years and thought I had a good rate. Bill found me the same coverage for $70 less per month. I couldn't believe I'd been overpaying that long."
Jonesville, NC
"Added my teenage son to the policy and Progressive wanted to double my rate. Bill found a carrier that specializes in families with young drivers. Huge difference."
Mount Airy, NC
"State Farm kept raising my rates every renewal. Bill shopped around and got me better coverage for less. Plus I actually talk to a real person when I call."
Want to see if you could be our next success story?
Get My Free Quote (No Obligation)
"The Big Carriers work for their shareholders.
Bill Layne works for you."
