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Home > Auto Insurance | Outer Banks & Greenville, NC

Auto Insurance


Auto Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Auto Quote Form

Auto Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Add Driver to Existing Auto Policy
Add Vehicle to Existing Auto Policy
Auto Accident Claim
Remove Driver from Existing Auto Policy
Remove Vehicle from Existing Auto Policy
Request Declaration and Coverages Page for Auto Policy
Request ID Card for Auto Policy
Send Declaration and Coverages Information to Lien Holder

Auto Insurance Information

Coastal North Carolina is a large place, spanning more than 300 miles as the crow flies. It’s part of a state that has more than 100,000 miles of public roadways. And with so many scenic places to see far and wide, it's no wonder that the North Carolina drivers travel more than 120 billion miles per year.1

From the OBX to the IBX, you can rely on Weatherly Insurance to help you design solid, affordable car insurance that will always provide exceptional protection. We’re experts in all aspects of auto insurance, and we’re committed to helping you always protect you and your family behind the wheel.

If you are ready to get a quote, then there are numerous easy ways to get in touch with us:

  • Call Us at (888) OBX-2-IBX (629-2429)
  • Get an Online Quote
  • Stop by One of Our Five Convenient Locations
  • Refer a Friend

Common Car Insurance Questions

How Does Auto Insurance Work?

On every stretch of pavement, drivers face accident risks. These could quickly become costly, but the appropriate car insurance can help you control accident costs and better recover from the ramifications of these hazards. It’s an important benefit to have, no matter how safe a driver you think you are. You never know when an accident might happen, or how much it is going to cost you.

What Auto Insurance Do I Need?

Not just any auto policy will do. All drivers and all vehicles are different, and you must have the right policy for you. This could be vastly different from the policy of the driver next to you on the highway. That’s why it’s imperative that you work with an expert agent to figure out the right combination of benefits that will offer you optimized protection.

By law, North Carolina drivers must have minimum amounts of car insurance. The minimum limits are:

  • Bodily Injury Liability Insurance: $30,000 per person/$60,000 per accident
  • Property Damage Liability Insurance: $25,000 per accident
  • Uninsured Motorist Bodily Injury Coverage: $30,000 per person/$60,000 per accident
  • Uninsured/Underinsured Motorist Property Damage Insurance: $25,000 per accident

Liability insurance is also called at-fault insurance, because North Carolina requires drivers who cause wrecks to pay for the damage done to others - such as other drivers. Your required bodily injury and property damage liability insurance will help you meet these obligations.

On the other hand, you carry uninsured motorist coverage to protect yourself in the event other parties do not follow the rules. If you become the victim of a hit-and-run accident, this coverage can pay for your own injuries or property damage because the offender cannot. It can also pay in situations where you are hit by another driver who does not have appropriate liability insurance.

However, you should always buy more coverage than the required minimum limits. The more coverage you have, the better protection you will have against the ramifications of vehicle accidents.

Some of the extra benefits to add into your auto policy include:

  • Higher liability and un/underinsured motorist coverage limits.
  • Collision insurance that pays for damage to your own car following a wreck.
  • Comprehensive insurance that pays for vehicle damage from non-accident hazards, such as fires, theft, vandalism or weather damage.
  • Medical payments coverage to help you cover your own medical bills if you get hurt in a wreck.

Other benefits can include roadside assistance coverage, rental car reimbursement, gap insurance and specialty coverage for antique or collectible cars.

How Are Auto Insurance Premiums Calculated?

Depending on the cost risks you pose to your insurer, the premium of your auto insurance policy can vary. Some of the factors that might influence your premiums include:

  • Your vehicle’s value
  • The limits and deductibles of your chosen policy
  • Your driving record and history of accidents
  • The number of claims you have made on your policy

But don’t forget, you can control your policy costs with various savings opportunities. We’re the experts in auto insurance, so we know how to ensure your policy remains affordable. We can compare your coverage options to determine which ones offer you optimized savings opportunities and discounts.

1. All stats courtesy of: https://www.fhwa.dot.gov/policyinformation/statistics/2018/

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Contact us Kill Devil Hills Location
2810 N. Croatan Hwy.
PO Box 3426
Kill Devil Hills, NC 27948

O: (252) 480-1284
Fx: (252) 480-1071
info@weatherlyinsurance.com
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