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Car, Truck & Auto Insurance

Motorcycle Insurance
Homeowners Insurance
Life Insurance
Business Insurance

If you are looking for Auto Insurance in Greenville or Winterville or anywhere in North Carolina. You have come to the right place!

Our commitment is to provide you the best possible coverage and service at the lowest possible cost! The Erie Personal Auto Policy offers discounts for Multi-Cars, Age 55 and Over, Air Bags, Anti-Theft Devices & Anti-Lock Brakes.

We also have a Customer Incentive Program that includes a First Accident Forgiveness Plan where Erie will not surcharge an auto policy written through the Erie Insurance Exchange in the event of a first "at-fault" accident. A Feature 15 plan where after an auto policy has been continuously in force for 15 consecutive years with The Erie, you never will be surcharged for an "at-fault" accident again.* A Multipolicy Discount for insuring both your auto and your home with The Erie making you eligible for an additonal discount on your Erie Auto and Homeowners Policies. * (see agent for important details)

Please take 5 minutes and complete our Auto Quote Form. We will be happy to provide you a quote and more details on how we can save you money on your auto insurance while providing you with the level of service you deserve.

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If you just need to insure your motorcycle to ride around Greenville and Winterville or in the North Carolina mountains, we've got you covered!

Our agency principal not only owns and rides motorcycles, but also has had a major motorcycle accident in the past.  While that is nothing to brag about, it does give us a unique perspective into motorcycle insurance that most agencies will never have.

If you would like a quote please Motorcycle Quote Form and we will get comparative rates with the multiple companies we represent and find the best quote available.

"The best insurance you can have for your motorcycle is not the type we sell but rather protective gear. I can personally say that a full face helmet, CE lined jacket and gloves saved my life. You can purchase such equipment locally at Ron Ayers or a search of the web on sites such as Motorcycle Superstore, MotorcycleGear,Cycle Gear, and more. Protective wear is like insurance, if you ever need it you will be glad you purchased the best!" --Cline Hall

www.ronayers.com

www.motorcycle-superstore.com

www.motorcyclegear.com

www.cyclegear.com

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We insure Homes in Greenville, Winterville, and all over North Carolina!

For most families, their home and belongings are their biggest asset, yet the purchase of  Homeowners insurance is not given much thought.  We believe in educating our clients so they make an informed decision when insuring their home to safeguard them from financial peril in the future. 

Here are a few things that are essential in understanding the basics of homeowners policies:

Replacement Guarantee:  This can apply to both contents and the dwelling.  In the case of contents: this means that in the event of a covered loss you will receive a settlement based on the amount it will cost to replace your belongings with new items, not the depreciated value of your old belongs. For the dwelling; the policy can pay above the stated amount in order to rebuild you home as it sits now. There are different levels of this coverage so it is important to understand what you are getting.

HO-3 versus HE-7: Most policies sold are an HO-3 policy which is a package of specific coverages and exclusions. The limits on coverage are based on specified percentages of the Dwelling amount. We do offer HO-3 policies but most of our clients have an HE-7 policy which has all the benefits of the HO-3 policy but has additional coverages, higher limits, and fewer exclusions. Most companies do not offer the HE-7 policy so don’t be surprised if  you speak to another agency and they are not familiar with it!

Optional Coverages: Not everyone has the same needs or desires for their policies so it is important to review with your agent your specific situation. Here are a few of the optional coverages available: Scheduled Personal Property(for higher limits of Jewelry, watches, and furs, etc), Sewer and Drain Back Up, Identity Recovery, and increased Personal Liability.

Protect your home with the best possible coverage and service at the lowest possible cost! To get started, fill out our Home Insurance Quote Form and we will contact you to discuss your individual homeowners insurance requirements.

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If you have a family to protect, a sound life insurance program is the perfect solution. There are two basic types of life insurance needs: temporary and permanent.

Temporary needs include home mortgages or short-term debt reduction, family income and educational expenses and can last as little as one year or last 20 to 30 years or longer. Term insurance is the most cost effective method of insuring many short-term needs. There are a variety of plans to choose from, ranging from an annual renewable term (1 year plan) to a level term plan that could last 5, 10, 20 or 30 years.

Permanent needs include those that last for your entire life or potentially for periods of 15 years or more. Permanent insurance needs include final expenses, funds to cover estate taxes and retirement savings protection. Permanent and universal life plans are ideally suited for meeting these goals.

The primary purpose of life insurance is to provide cash for your family in the event of your death to ensure that they can remain in their home and continue to maintain an adequate standard of living. There are a number of factors that determine the cost you pay for life insurance including age, current health, previous tobacco use, occupation and hobbies.

To find out more, simply fill out our Life Insurance Quote Form to get started and we'll contact you to discuss your individual life insurance needs.

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Part of the decision about what insurance to buy depends on the nature of the business. For example, if your business has a lot of assets, it might consider theft and property damage insurance. You may want life insurance on you and other critical personnel in your organization. You also may want to consider various other forms of insurance, for example, for Directors and Officers, or for business interruption.

It can be confusing and a lot to think about, so let us help you. Start by filling out our Business Insurance Quote Form and we'll contact you to discuss your individual business insurance needs.

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