Auto Insurance New Bern, NC

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Contact Robinson & Stith today to find the best deals on automotive insurance. Our knowledgeable agents will hook you up with the auto insurance plan that fits all of your coverage needs!

Simply click the button to get in touch with on of our friendly representatives about Auto Insurance in New Bern! Scroll down to see what kind of coverage we can get you as well as reviews from our previous customers.

Check Out Our Google Reviews!

Giuseppina IncorvaiaGiuseppina Incorvaia
15:00 03 Aug 23
JoAnn GottslebenJoAnn Gottsleben
18:37 31 Jul 23
Our company has worked with Robinson and Stith since our founding in 2006. They are very professional and responsive and also just really nice people. I would like to recognize Christina Tripp and Julie Thompson. Other folks have also helped out at times. They will do a great job for you.
Tripp StarlingTripp Starling
16:52 21 Jul 23
Lori Pickard at Robinson and Stith always looks out for my best interest. She consistently finds quality coverage at unbeatable prices. I know I can trust her to take care of my homeowners insurance and highly recommend her.
Johnny PearceJohnny Pearce
19:56 13 Jul 23
Pauline is the best there ever was! She has the best personal service around.
charlie Hillcharlie Hill
14:04 09 Jul 23
Andy GauzzaAndy Gauzza
21:37 19 Jun 23
Robinson and Stith is positively the very best insurance agent that I have ever dealt with. Best prices for an array of products and service, service and service!! You will get Mr.Robinson or a member of his staff on the phone just about anytime even on weekends!! No one is more knowledgeable about the products they sell and my personal needs than the staff and owner, Jimmy Robinson. Don’t waste your time and energy shopping for insurance with any other company.
Summer MathewsSummer Mathews
15:06 30 May 23
Tammy is the best! She virtually saved my home purchase! The insurance agent I went with was recommened by a friend who did not complete the insurance binder properly. We didn’t find this out until two days before closing. I called Tammy and she was able to get me an amazing policy with a competitve price and save the deal! She always gets back to me in a timely manner and is always insightful. I highly recommend Tammy and the services she has to offer!
Dedee DunnDedee Dunn
20:56 19 Apr 23
Pauline is the absolute best. She can answer any questions that I have and always quick to respond. She has been helping me with my insurance needs over 30 years!
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Your Auto Insurance Coverage

Collision Coverage

Collision coverage is designed to protect the insured vehicle from the financial burden of repairs or replacement due to damage sustained in a collision, regardless of fault. Whether the insured driver collides with another vehicle, a stationary object, or even flips the car, this coverage steps in to cover the costs. After paying the deductible, the insurance company will cover the remaining expenses to restore the vehicle to its pre-accident condition. Collision coverage is especially important for newer vehicles and can provide peace of mind for drivers who want to protect their investment.

Liability Coverage

Liability coverage is a fundamental component of auto insurance that financially safeguards the policyholder from the expenses arising from injuries or property damage caused to others in an accident where the insured driver is at fault. It is typically expressed as two separate limits: bodily injury liability limit per person and per accident, as well as a property damage liability limit. This coverage ensures that the injured parties’ medical bills, rehabilitation costs, and property repairs are taken care of, up to the policy’s specified limits, helping the insured driver avoid significant out-of-pocket expenses and potential lawsuits.

Comprehensive Coverage

Comprehensive coverage provides extensive protection for the insured vehicle against non-collision-related incidents such as theft, vandalism, natural disasters, falling objects, fire, and animal collisions. It offers financial support for repairing or replacing the vehicle up to its actual cash value, minus the deductible. This coverage is valuable for safeguarding against unexpected events that can cause substantial damage, and it is often required if the car is being leased or financed.

Learn More About Your Car Insurance Coverage

At Robinson & Stith Insurance, we believe in providing comprehensive auto insurance solutions tailored to meet the unique needs of drivers in New Bern, NC, and the surrounding areas. Whether you’re a new driver, have a family car, or drive a high-value vehicle, having the right coverage can offer protection and peace of mind. Here’s a breakdown of the main types of auto insurance coverage and why they’re essential for drivers in coastal areas like New Bern.

Collision Coverage

Collision coverage is crucial for protecting your car in the event of an accident. It covers damage to your vehicle when it’s involved in a collision with another vehicle, a stationary object, or if the car flips or rolls over.

Why Collision Coverage is Important:

  • Protection in Accidents: No matter who is at fault, collision coverage ensures that the cost of repairing or replacing your vehicle is handled, minus your deductible.
  • Covers Repairs or Replacement: After an accident, the expenses to fix or replace your car can be overwhelming. Collision coverage will help pay for repairs up to the actual cash value of your vehicle.
  • Newer Vehicles: If you have a newer vehicle, collision coverage can protect your investment and ensure you’re not financially burdened if an accident occurs.

For residents of New Bern, where coastal roads can become hazardous during storms or heavy tourist traffic, having collision coverage gives you the security you need.

Liability Coverage

Liability coverage is one of the most critical parts of auto insurance in New Bern. It ensures that if you’re at fault in an accident, you’re not left covering the costs of injuries or property damage caused to others.

Two Parts of Liability Coverage:

  • Bodily Injury Liability: This covers medical expenses, rehabilitation, and other costs associated with injuries to others if you’re responsible for an accident. It includes limits per person and per accident.
  • Property Damage Liability: This covers the costs of repairing or replacing another person’s property—such as their car, fences, or even buildings—if you’re at fault in the accident.

Why Liability Coverage is Essential:

  • North Carolina Requirements: It’s legally required in North Carolina for drivers to have liability insurance, and it ensures that other drivers, passengers, or pedestrians are covered if you cause an accident.
  • Avoiding Lawsuits: Without liability coverage, you could face significant out-of-pocket costs and even legal actions from injured parties.

Having strong liability coverage is key in protecting yourself from financial strain and ensuring that you can handle any situation that may arise on the road.

Comprehensive Coverage

Living in New Bern means you have to prepare for more than just accidents on the road. Comprehensive coverage offers protection from damage caused by events beyond your control, such as theft, vandalism, natural disasters, and animal collisions.

What Comprehensive Coverage Protects Against:

  • Theft and Vandalism: If your car is stolen or vandalized, comprehensive coverage will help cover the cost of repair or replacement.
  • Natural Disasters: In a coastal town like New Bern, hurricanes and storms can cause significant damage. Comprehensive insurance protects your car from floods, fallen trees, or wind damage.
  • Animal Collisions: If you hit a deer or other wildlife, comprehensive coverage will pay for repairs.

Why Comprehensive Coverage is Important:

  • Weather-Related Risks: New Bern’s coastal location increases the risk of natural disasters like hurricanes. Having comprehensive coverage helps safeguard your vehicle against storm damage.
  • Leased or Financed Cars: If your car is leased or financed, comprehensive coverage is often required by the lender to protect their investment.

Comprehensive coverage offers full protection, ensuring you’re covered no matter what comes your way.

Additional Auto Insurance Coverage Options

In addition to the essential types of coverage, there are other auto insurance options that can enhance your protection in New Bern, NC.

Uninsured/Underinsured Motorist Coverage

  • Why You Need It: If you’re involved in an accident with someone who doesn’t have enough insurance or no insurance at all, this coverage helps pay for damages and medical expenses.
  • Hit-and-Runs: It also covers hit-and-run accidents, which can be more common in busy or tourist-heavy areas like New Bern.

Medical Payments (MedPay)

  • What It Covers: Medical Payments coverage helps pay for medical bills for you and your passengers after an accident, regardless of who was at fault.
  • Why It’s Useful: This is particularly helpful if your health insurance doesn’t cover all of your accident-related medical expenses.

Rental Reimbursement

  • Why You Need It: If your car is being repaired after an accident, rental reimbursement helps cover the cost of a rental car while yours is in the shop.
  • Convenience: This coverage is invaluable for staying on the move, especially if you rely on your vehicle for commuting or daily activities.

By customizing your auto insurance policy with these additional coverage options, you can make sure you’re fully protected on the roads.

Our Service Area

Here at Robinson & Stith Insurance, we are proud to serve customers all across eastern North Carolina! Use the list to find the areas in which we provide our expert Insurance services and customer care.

Our Insurance Services

Happy Thanksgiving from Robinson and Stith!

Our office will be closed starting at 3 PM on Wednesday for the holiday and will reopen on Monday.

We hope you have a wonderful Thanksgiving filled with joy and gratitude, surrounded by loved ones!

We’ll be back soon to assist you with all your insurance needs.