Collision Insurance, Greensboro, NC

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Better protect yourself from the unknown with collision insurance for your car, truck, or other vehicle.

If you own a vehicle in Greensboro, North Carolina that is operated on state-maintained highways, you are required to have a minimal amount of liability and uninsured motorist coverage on that vehicle. If you don’t have this level of insurance coverage, you can be subject to fines and other penalties.

Collision Insurance in Greensboro, North Carolina

Generally, collision insurance is not required unless you take out a loan to purchase your vehicle. If you have a loan, there is a good chance that one of the stipulations is that you carry a certain amount of collision insurance in case of an accident.

At Morco Insurance Agency, we can prepare collision insurance quotes for you from hundreds of different insurance carriers. We can discuss your unique circumstances, as well as your preferred rates and options. You will appreciate our friendly, approachable style. We are a family-owned business that has been in operation for over 50 years, so we have the knowledge and experience needed to help you find the right coverage at an affordable price.

We can also create discounted bundle packages with all the services you need – including all types of auto insurance, homeowners’ insurance, renters’ insurance, life insurance, and commercial insurance. We will take the time needed to give you the personal service you deserve, clarify your options, and explain what is covered (and not covered) by different types of policies, including collision insurance options. Reach out to us today, and make sure you have the coverage you need to protect yourself from the unknown.

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FAQs About Collision Insurance

If you’re financing a vehicle or simply want extra protection in case of an accident, collision insurance is a smart addition to your auto policy. While liability insurance is required by law, collision coverage gives you peace of mind by helping cover repairs to your vehicle after a crash, regardless of who is at fault. Here are answers to some of the most common questions about how collision insurance works and when you might need it.

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What does collision insurance cover that liability doesn’t?
Liability insurance covers damage or injury you cause to others. It won’t cover the cost of repairs to your car. Collision insurance steps in to cover your vehicle’s repair or replacement costs after an accident, even if you hit an object, another vehicle, or are involved in a single-vehicle crash.
Do I need collision insurance if my car is paid off?
It’s not legally required, but it’s often recommended for newer or higher-value vehicles. If you’d have trouble paying out-of-pocket to repair or replace your car, maintaining collision coverage can help you avoid unexpected financial strain. On the other hand, if your vehicle has significantly depreciated, you may choose to skip it to reduce costs.
Can I adjust my deductible to lower my premium?
Yes. Like other types of auto coverage, you can choose a higher deductible to lower your monthly premium. Just make sure you have enough set aside to pay the deductible if you have to file a claim. An insurance agent can help you weigh the trade-offs and choose a plan that fits your budget and risk tolerance.

Contact Morco Insurance Agency Today!


At Morco Insurance Agency, we offer collision insurance for customers in Greensboro, Browns Summit, McLeansville, Oak Ridge, Pleasant Garden, Jamestown, and High Point, North Carolina.

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