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Home > Asheville NC Auto Insurance | Barnette and Coates Insurance

Auto Insurance


Auto Insurance Quote Forms

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Auto Insurance Information

Having the proper auto coverage that suits every situation ensures your independence behind the wheel. From accidents and injuries to hit-and-runs and theft, it’s important to keep your car insured so you’re prepared when accidents do happen.

Our agents at Barnette and Coates Insurance take a consultative approach to insurance. Whether a new teen driver or a seasoned veteran, we will work with you one-on-one to find a policy that keeps you and your drivers protected at all costs for peace-of-mind driving assurance. We routinely provide motorists in Hendersonville, Asheville, Fletcher, and the surrounding areas with comprehensive auto insurance.

Why Auto Insurance?

If you’re involved in an accident without car insurance, you’re looking at high out-of-pocket costs, injury liability – even serious legal issues.

Keeping your vehicle insured is simply the responsible thing to do, and it is an essential financial decision that you cannot drive without. Auto Insurance helps to reduce or cover property damage costs, replacement parts for your car as the result of an accident, medical expenses from injuries, road-side assistance, and much more. Since policies vary with protection options, it is important to talk to an agent at Barnette and Coates Insurance to create a policy that insures your needs.

Auto Insurance Coverage Details

The insurance company you have a policy through will pay out losses as outlined in your policy. Generally, those coverages will include:

  • Property: Will cover damage to or theft of your car.
  • Liability: Covers the legal responsibility to others for bodily injury or property damage.
  • Medical: Offers coverage for the cost of treating injuries or rehabilitation.

Other Coverages You Might Need

  • Liability Coverage
  • Comprehensive Coverage
  • Collision Coverage
  • Uninsured & Underinsured Motorist Coverage
  • Diminishing Deductible
  • Accident Forgiveness
  • Minor Violation Forgiveness
  • Roadside Assistance
  • Specialty Auto Insurance
  • 24-Hour Customer Service
  • Towing
  • Rental Reimbursement
  • Personal Injury Protection (PIP)
  • Mexican Auto Insurance
  • Medical Payments Coverage

Auto Insurance Cost

The premium you pay for your auto insurance policy will be determined by many different factors. Some of the most common factors used by car insurance companies include your age, driving history, years of driving experience and location. Another important factor to consider is that each state has different laws about the legal minimums for your auto insurance coverage. Choosing between the required minimum coverage and full coverage will also have a significant impact on your premium.

Insurance carriers will rate these factors on different scales. More importantly, your driving habits and history will vary widely compared to others. It is important to compare your options across different plans and speak to an agent about your specific needs.

Keeping Our Clients Protected

At Barnette and Coates Insurance, we take your car insurance seriously and will ask the important questions to make sure we help you find the right policy for your situation. We are dedicated to providing exceptional customer service and making sure that we have our customer’s best interests in mind. Our staff are here to answer any of your questions or concerns.

Contact us today to learn more about our products and services for drivers.

Common Auto Insurance Questions:  


What is auto insurance?  
Auto insurance is a promise of financial assistance. By buying a policy, a driver agrees to pay the insurer, who in turn agrees to provide payment and other support to the driver in the event of unexpected, unavoidable vehicle accidents or other problems. With it, drivers will be reassured that they can recover from such challenges with minimal personal financial losses.  

How does auto insurance work?  
Any challenge or damage involving your vehicle could get very expensive, and it’s only natural to worry whether you will be able to afford such costs. Auto insurance will guarantee that you can. You can file a claim against this policy for accident costs and other losses for which you are responsible. The policy then pays a certain amount of money to aid you in your recovery costs.  

Quality auto insurance will minimize your personal financial losses for such problematic losses, and you’ll be able to recover from these issues without costing yourself an arm and a leg.  

What does auto insurance cover?  
The average auto insurance policy can offer numerous benefits, including:  

  • Liability insurance: When an accident is deemed your fault, this coverage help you pay for the damage you do to others (such as other drivers) who weren’t in the car with you.

  • Bodily injury liability coverage: This plan pays for third-party medical bills and sometimes for death benefits.

  • Property damage liability coverage: This pays for damage to the other party’s property.

  • Collision insurance: This covers damage to your own vehicle that you sustained in a wreck.

  • Comprehensive insurance: This coverage pays for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or similar accidents.

  • Medical payments coverage/Personal Injury Protection: If you get hurt in an accident, this coverage can pay for your medical bills. It sometimes will cover other losses, like lost income.

  • Uninsured/underinsured motorist insurance: This insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.


Plus, to further customize your benefits, you can add countless perks into qualifying policies, including:  

  • Roadside assistance

  • Rental car reimbursement

  • Custom parts coverage

  • Replacement cost vehicle coverage

  • Vanishing deductibles

  • Gap insurance


Is auto insurance required?  
North Carolina Motor Vehicle Law requires that Automobile Liability coverage be continuously maintained. The minimum coverage requirements are 

$30,000 Bodily Injury for each person 
$60,000 total Bodily Injury for all persons in an accident 
$25,000 for Property Damage. 

Motor Vehicle Law also requires Uninsured/ Underinsured Motorists coverage. Auto insurance policies with the minimum Bodily Injury and Property Damage limits are required to include Uninsured Motorists coverage. Policies with limits greater than the minimum must provide combined Uninsured/ Underinsured Motorists coverage. UIM coverage does not provide protection against property damage. The UIM coverage will pay a maximum of the difference between the other driver’s Liability limits and your UIM limits.

Drivers who have financed their vehicles might also be required to purchase collision, comprehensive, gap or other physical damage insurance in compliance with lender rules.  

It is highly recommended that you carry more than just a minimum level of auto insurance on your policy, and we are the experts who can help you determine precisely which coverage is best for you.  

What does auto insurance cost?  
Numerous factors can influence the cost of your auto policy, including:  

  • Your chosen coverage limits

  • The value of your vehicle

  • Your driving accident history

  • Your history of claims on other auto policies

  • Where you live

  • How far you drive each year


It is possible for two drivers to have identical policies, but still pay different prices for them. However, we’ll make sure that we search our carrier network to help you find the policy that will offer you the most optimized price level for the benefits of your choice.  

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Barnette and Coates Insurance
708 Spartanburg Hwy | Hendersonville, NC 28792 | (828) 692-8277 899 Haywood Road | Asheville, NC 28806 | (828) 254-2195
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