Have you recently purchased a new car? Or are you thinking of purchasing one? You should remember that when you purchase a car, it comes along with a number of risks and challenges. You have to make sure that you consider some sort of protection for the losses you are likely to incur financially because of your car. That is why car insurance is the perfect solution for you. We, at Sound Choice Insurance, can be the right choice for you. We are an established and experienced company which can provide you with a wide range of insurance programs. Right home, automobiles, to even business insurance, we have several kinds of quality coverage options for all these aspects of life. We are also an independent insurance agency which means that you can get a number of carrier options according to your budget and interests. We are known for our quality coverage options and low premium rates. So, if you belong to areas such as Jacksonville, NC, Havelock, Beaufort, New Bern, NC, Wilmington, NC, or Newport, NC, then you can opt for us. 

Car Insurance in Havelock, New Bern, NC, Jacksonville, NC

Here, we have put together a few major reasons why car insurance is necessary for you when you purchase a new car. Take a look. 

  1. Repair Costs 

Now your car is new but one day, it is going to be old. With prolonged usage, it is going to start to give away and will require frequent repairs and parts replacement. Such repair and replacement costs are easily covered by car insurance. 

2. Accidents 

Even if your car is not old, collisions and accidents are common on the road which can damage your car’s auto parts and will need repair. Along with that, if you or others get injured in the car, then you will have to pay for the medical treatment as well as liability payments. This can be avoided if you have an insurance. 

So, if you are interested in our insurance products, then contact us today. 

Do you love a little tranquil boating experience in the lake during summers? Or do you like to go fishing on the boat? Boating is an enjoyable experience but it is even better when you are doing so on your own boat. But owning a boat comes with its own risks and challenges, especially financially. That is why whenever you are buying a boat, you should always get an insurance done for it. We, at Sound Choice Insurance, can be the right choice for boat insurance. We are an established and experienced company which offers you a wide range of insurance programs. Right from home insurance, commercial insurance to even automobile insurance, we can help with many things. We are also an independent insurance company which means we allow you to choose from a number of carrier options whereby you can decide on a policy that meets your needs and suits your budget. So, if you are from areas such as Jacksonville, NC, Havelock, Wlimington, Beaufort, New Bern, NC, or Atlantic Beach, NC, then you can opt for us. 

Boat Insurance in Wilmington, New Bern, NC, Morehead City

Here, we have put together a few important benefits of owning a boat insurance. Take a look. 

  • Loss of Asset 

First of all, when it comes to the waters, you need to be prepared for everything. You might lose your vessel completely during a storm or some accident and the replacement of the boat can be a costly expense. If you have insurance, you can get it covered easily. 

  • Liability Payments 

If there happened to be some other people in your boat when the boat toppled down or some other damage incurred to the boat, causing them harm, then you might be held responsible and asked to pay liability payments for them. This unnecessary expense can be avoided if you have boat insurance. 

So, if you want to purchase our boat insurance, then contact us today. 

Do you live in an area that is prone to flood? Then, it is a massive risk not just for your lives but also for your property. There are so many kinds of damages that you could face owing to this natural calamity. Sometimes, despite taking precautions, you might be exposed to serious damage. But if you are a little careful, then you can save yourself from this monetary loss at least. All you need is a flood insurance protection. We, at Sound Choice Insurance, can be the right choice for you. We are an established and experienced company which brings you a wide range of insurance policies. We can protect you against losses for your home, automobiles, business, and even a flood attack. We understand the importance of this kind of insurance and ensure that all the major losses are covered in our policies. We are also an independent insurance agency and can offer you multiple carrier options to choose from according to your needs and budget. So, if you are from areas such as Atlantic Beach NC, Beaufort, Emerald Isle, Havelock, Jacksonville NC, or New Bern NC, then you must choose us.

Flood Insurance in Beaufort, Havelock, Jacksonville NC, New Bern NCHere, we have put together a few essential tips to help you choose the right flood insurance policy. Take a look.

  • Coverage

First of all, you should pay attention to the coverage details of your policy. Check if all the potential damages you could face for the flood are included in this policy or not. Or else, there is no point of this insurance protection.

  • Premiums

Next, you must focus on the premium of the insurance policy. You must make sure that the premium is affordable and suitable for your budget. If required, take quotes in advance and compare these to make a wise choice.

And if you are interested in our flood insurance program, then contact us now.

Do you want to invest in a new automobile? Some people really require a personal vehicle for all kinds of purposes while some are simply passionate about automobiles and their features. But you should also realize that investing in an automobile has its own risks and challenges, especially monetarily. You could incur several losses because of your car, boat, or motorcycle. In order to save your pockets from such damages, you should also invest in a quality auto insurance program. We, at Sound Choice Insurance, can be the right solution for you. We are an experienced and established company that offers you high-quality insurance programs for your business, home, and even automobiles. We are known for our high-quality coverage and low premiums. With our customer-oriented approach and variety of insurance programs, we have become one of the most popular companies for all kinds of insurance. So, if you belong to areas such as Atlantic Beach NC, Beaufort, Emerald Isle, Havelock, Jacksonville NC, or New Bern NC, then you can choose us.

Auto Insurance in Beaufort, Havelock, Jacksonville NC, New Bern NCHere, we have put together a few essentials to check about your auto insurance company. Take a look.

  1. Independent Insurance Agency

First of all, you must know if the company you are choosing for insurance has a number of carrier options according to your budget and interests or not. If it is an independent one, it will be more beneficial for you as you can choose your policy according to your needs.

  1. Variety of Policies Under One Roof

Another thing that you must check is the number of insurance policies that are available under one roof. Make sure you get all your losses covered and all these are available under one store, thereby saving your time and energy.

So, if you are interested in our insurance products, then contact us now.

Boats and especially yachts are big investments, but if you love being out on the water, you know they’re worth it. Do you have the right insurance in place to protect those big investments? If you do, then you know how much more you enjoy being out on your yacht, not having to worry about what might happen. If you don’t, you’re sailing in dangerous waters and won’t enjoy your time on the boat. Don’t put off getting your yacht insured, give a call to Sound Choice Insurance to learn just how affordable insurance can be for your yacht.

Yacht Insurance in Newport, Wilmington, New Bern, Jacksonville, Emerald Isle, and HavelockDon’t Go With Just Any Insurance For Your Yacht

You need to protect your fun investment with coverage that’s designed with the boat lover in mind, not with some standard coverage or add-on to your Homeowners Insurance. We will find you comprehensive insurance protection that protects you, your friends, family, your watercraft, and your boating equipment. Sound Choice Insurance can help make your time on the water relaxed and worry-free.

Do you know what to look for in a Boat Insurance policy? The average boat policy costs less than a dollar a day. You’ll enjoy being on the water, even more, when you aren’t worried about your safety, the safety of your passengers, or your investment. Sound Choice Insurance can help you determine the right amount of coverage to meet your specific needs.

Key Coverages You Should Know For Your Yacht Insurance

There are several key aspects to your yacht insurance that you should be aware of, as they may impact how you operate your yacht and where you go with it. Perhaps one of the most important ones is the navigational area that is covered by the insurance policy. This navigational area could go up to 75 miles offshore, but you should know these limits when you operate your yacht. Liability coverage is also important just like it is for your vehicles. This coverage helps address repairing or replacing property of someone else, as well as medical care and more. Another important insurance is uninsured or underinsured watercraft bodily injury. Boat insurance is not mandatory, so to help protect you and your guests having this kind of insurance helps pay for medical costs, lost wages and more should an accident with another boat happen. There are other insurances that might make sense based on your yacht and how you use it. Be sure to talk with your Sound Choice Insurance agent today to review your coverages.

You’ve invested a lot of money into your home in Newport or Emerald Isle, and you need to protect it. Having home insurance is more than just smart, it could prevent you from losing everything that you’ve worked so hard for. Your homeowners’ insurance covers not only your home, but it also covers your belongings inside, such as your bedroom set, living room furniture and more. Not only that but it also usually includes liability coverage as well for injuries and property damage caused by you to others.

Home Insurance in New Bern, Emerald Isle, Jacksonville, Havelock, Newport, and BeaufortHome Insurance Doesn’t Have To Be Expensive

Regardless of whether you live in Havelock, Emerald Isle or any other part of North Carolina, homeowners insurance is one of the most important insurance policies you could ever own. It’s important to understand that no two homeowners’ insurance policies are created equal though. Different insurance companies offer different levels of coverage, different endorsements, and riders, and have different conditions and limitations. Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.

Homeowners’ insurance policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that covers losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses.

Common Coverages You Find in Home Insurance

There are several aspects to your home insurance policy that you should know about. These are fairly common so its good to be aware of what they are and how they affect what is covered in your policy. First of these items include the house itself, usually referred to as the dwelling. This dwelling coverage is for replacement of the house itself, not the contents of the house. The second item is covered under other structures. These are significant structures that are not attached to the house, such as a detached garage, sheds, sidewalks, driveways, fences and more. Next is your personal property, which includes the furniture, clothing, appliances and more that you use and have in your house. Give your Sound Choice Insurance agent a call today and get your home insured before its too late.

You put in a lot of time and money to start your business. You work too hard to have your business taken down by something that could have been covered by some simple business insurance. But what is the right business insurance? Will the policy cover vandalism to your shop? Will liability be enough, or do you also need a policy for the property? Can you get insurance for the industry that you are in? What if it’s just me and I don’t have employees, do I still need insurance?

Business Insurance in New Bern, Emerald Isle, Jacksonville, Havelock, Newport, and WilmingtonNo doubt there are a lot of questions you have about insurance and how it affects and protects your business. Have a conversation with your Sound Choice Insurance agent today so that they can get you the best protection for the lowest price by understanding your specific needs.

How Do I Know What I Need For My Business Insurance

Choosing the right business or commercial insurance plan for your business can be very confusing, so we have developed many different options and programs to meet your needs. At Sound Choice Insurance, we can design a specialized package according to your property, liability, and casualty needs.

Whether you are a retailer, wholesaler, contractor, or electrician, we can tailor a package to meet your specific needs and requirements. We are also proactive in identifying any factors that may increase your premiums or change your risk, and provide consulting and risk management options to protect your business.

Key Coverages You Could Get In Your Business Insurance

General liability insurance coverage is perhaps the best known and most common type of business insurance. This helps with injury damages, lawsuits, investigations, advertising claims and more. This kind of insurance is a necessity for your business. Other coverages that might apply include professional liability insurance, such as for lawyers, doctors architects, consultants and more; business interruption insurance, which addresses those times that your business can’t operate and provide you with a living due to lost revenue; contractor insurance, which covers plumbers, painters, electricians, repair people, freelance writers, and others; worker’s compensation insurance; commercial vehicle insurance to cover your cargo van, bus, taxi, company cars, and other company vehicles; and other insurance coverages as well. Call your Sound Choice Insurance agent today to discuss your business and learn just how affordable your specific business insurance needs can be.

No matter if you call Havelock or New Bern home, living in North Carolina means that you need to have auto insurance on your vehicles. But do you have the right coverage on your vehicles? Are you paying too much? No matter the questions you have, your Sound Choice Insurance agent will get you the answers you need and explain just what you need for proper coverage.

Auto Insurance in Emerald Isle, Havelock, Atlantic Beach, New Bern, Beaufort, and JacksonvilleUnderstanding Your Auto Insurance Policy

The truth is, car insurance covers much more than just your car. Given the sheer amount of cars on the road and the distractions drivers deal with every day, the chances of being involved in a car accident are plentiful. If you were ever involved in an accident and found to be at-fault for someone else’s bodily injuries, you could literally lose everything if you’re not properly insured. What a lot of people don’t realize is, having great coverage in Atlantic Beach or Jacksonville doesn’t necessarily mean having higher insurance premiums.

No two insurance contracts are the same, and while two policies side-by-side might look the same, the fine print behind the cover page can vary drastically from company to company. Because Sound Choice Insurance is 100% independent, we can take your current coverages in Emerald Isle and compare them with a wide range of insurance providers to see who offers you the best deal possible. This means you need someone who truly understands policy contracts, like us, to sort through the exclusions and conditions for you, so you can rest easy knowing that you have the best possible coverage at the best price without having to learn legal jargon.

Things That Contribute To Your Auto Insurance Premiums

Getting your insurance premium figure isn’t magic, there is a formula that insurance companies have to come up with that figure for residents of Beaufort. Several things can contribute to that figure, though not all of them are used by all insurance companies. One of those things is your age, and if you are a young driver or an older driver, you’ll find that your rates are a bit higher than for others. Another factor that is looked at is the vehicle being insured itself. Is it a small, fuel-efficient 4-cylinder car, or a 12-cylinder, gas-guzzling speed demon? What safety features does the vehicle offer? All of these things are factored into the cost of providing insurance for that vehicle. Other aspects such as your driving record and the number of people in the household and their ages will affect these rates as well. Give Sound Choice Insurance a call today to have them shop for the best auto insurance for you.

I’m pretty confident that if you asked anyone who has ever owned a rental property you would get an overwhelming response that it’s not as lucrative or easy as they thought it would be. In fact, owning a rental property can be a major pain, and end up costing you a ton of money!

I certainly don’t mean to be a “Debbie Downer”, and I know that if it’s done right it can be lucrative, but from an insurance agent’s perspective, I don’t see a lot of people doing it right.

So you’re probably thinking, “Well Chris, you are an insurance agent. What do you know about real estate or rental properties? Why should I take advice from you?”

I’m not a real estate agent, and I don’t own a rental property. However, several of my friends/family/clients/co-workers own rentals, and because I insure a bunch of their properties, I’ve had a first hand account of the process, and I’ve learned what to do, and what not to do.

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I was recently asked this question by one of our Sound Choice Insurance clients, and thought I would share the answer here for our readers.

There are a lot of things that go into homeowners and auto insurance rates, one of them being credit. I’ve heard a lot of complaints from people who don’t like the fact that insurance companies use credit in their underwriting.

Some people have absolutely no idea that it’s used in the rate at all.

At the end of the day, there’s not much we can do about it though. Insurance companies have been using credit in their rates for decades, and that’s not likely to change.

By the way, insurance companies don’t pull your credit like a mortgage company or credit card company does. There is no negative impact on your credit as a result of an insurance company looking at it.

When I say “pull” what I mean is that the insurance company is doing what’s called a soft inquiry, which is not the same thing as having your credit pulled (hard inquiry).

When does credit play a role in insurance rates?
It’s important to understand that insurance companies don’t continuously check or monitor your credit. Usually, they only check it when you first get a quote and/or sign up with them in the very beginning.

This means that if your credit score increases (or decreases) your insurance company does not automatically know about it.

So, to my customers question of whether or not his increased credit score will lower his rates, the answer is not automatically.

What has to be done on our side as the agent is contact the carrier the insurance and ask them to do what’s commonly referred to as a “re-score”. This is when the insurance company can re-run the person’s credit (soft inquiry) to see if there is any positive bearing on the rate.

This isn’t something that the insurance company is going to let the agency do every single year, so it’s not worth even asking unless there has been a significant change in your credit score, and only you as the customer would know if that was the case.

If you’d like to get a better handle on your credit rating, it could be helpful to setup credit monitoring. We hope this was helpful! As always, leave us comment below if you have any questions.