704-857-9512
I had my first claim ever last year, and Jason and his staff took care of me from beginning to end. They made sure I was well taken care of with the rental car, claims adjuster, and even the body shop. If you're looking for a professional call Jason.

-- Justin H. Mooresville, N.C.

When my car was totaled they made sure I was well taken care of.

-- G. Ellison - Pineville NC

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I'm interested in:

AUTO | HOME | LIFE | MOTORCYCLE | BOAT | BUSINESS
AGRIBUSINESS/FARM |
RENTERS | CONDO | BONDS

Coverage

Auto Insurance

Auto insurance can seem confusing. But once you understand the different types of coverages that make up your policy, it’s not difficult at all. Your auto insurance is really a package of seven primary coverages. Taken together, these coverages make up a standard auto policy. Each of these coverages has its own separate premium. Your premium payment is the total of these separate premiums.  In addition to the primary coverages, for additional premiums you can also add on more coverages. Contact us to find out more.

Bodily injury liability provides protection if you injure or kill someone while operating your car. It also provides for a legal defense if another party in the accident files a lawsuit against you.
In the event of a serious accident, you want enough insurance to cover a judgment against you in a lawsuit without jeopardizing your personal assets.  Bodily injury liability covers injury to people, not your vehicle.

  1. Medical payments, no-fault or personal injury protection coverage usually pays for the medical expenses of the injured driver and passengers in your car. There may also be coverage if you’re injured by a vehicle as a pedestrian.
  2. Uninsured motorists coverage pays for your injuries caused by an uninsured driver or, in some states, a hit-and-run driver, in an accident that is not your fault. In North Carolina, there’s also uninsured motorist coverage for damage to your vehicle. Given the large number of uninsured motorists, this is very important coverage to have.
  3. Comprehensive physical damage coverage pays for losses resulting from incidents other than collision. For example, comprehensive insurance covers damage to your car if it is stolen or damaged by flood, fire, or animals. To keep your premiums low, select as high a deductible as you feel comfortable paying out-of-pocket.
  4. Collision coverage pays for damage to your car when your car hits, or is hit by, another vehicle or other object. To keep your premiums low, select as large a deductible as you feel comfortable paying out-of-pocket. For older cars, consider dropping this coverage, since coverage is normally limited to the cash value of your car.
  5. Property damage liability protects you if your car damages someone else’s property. It also provides you with legal defense if another party files a lawsuit against you. It’s a good idea to purchase enough of this insurance to cover the amount of damage your car might do to another vehicle or object.
  6. Rental reimbursement coverage pays for a rental vehicle (usually up to $30 a day) when the insured's vehicle is out of commission as a result of a loss covered under comprehensive or collision coverage.

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Home Insurance

Your homeowners insurance premiums can vary by hundreds of dollars, depending on the size of your house, amount of coverage, your deductible, what type of protection you have for the home, as well as the age of the home.  These are all huge factors when it comes to your homeowners premium, with the biggest factor being the age of home. 

Price alone should not be the determining factor. Customer service and fair, efficient payment of claims are also important.  If you constantly are looking for the least expensive homeowners coverage your claims may not be paid out with the efficiency you want as well as the amount you are paid for your claim.  We strive to take care of each and every client with courtesy and respect at all times.  That’s why the Bentley Agency should be your one stop for homeowners coverage, or renters coverage.  Some areas you may want to look at when determining coverage. 

Raise your deductible.
A deductible is the amount of money that you have to pay toward a loss before your insurance company starts to pay a claim. The higher your deductible, the more money you save on your premium. Consider a deductible of at least $500. If you can afford to raise it to $1,000, you may save as much as 20%.

Buy your home and auto policies from the Bentley Agency.
By purchasing both your home and auto policies from us you will be able to save up to 30% on your homeowners policy as well as an extra 12% on your auto. 

Make your home more disaster-resistant.
Ask us at the Bentley Agency what you can do to make your home more resistant to windstorms and other natural disasters. You may be able to save on your premiums by putting a new roof on your home. In addition, consider modernizing your heating, plumbing, and electrical systems to reduce the risk of fire and water damage.  Any one of these improvements could add up to a 15% discount on your rate. 

Don't confuse what you paid for your house with rebuilding costs.
The land under your house isn't at risk from theft, windstorm, fire, and the other perils covered in your homeowners’ policy. So you don't need to include its value in deciding how much homeowners insurance to buy. If you do, you'll pay a higher premium than you should. The higher coverage will not always result in a higher disbursement from the insurer.

Ask about discounts for home security devices.
Most insurance providers offer at least a 2% discount for items such as smoke detectors, burglar alarms, and dead bolt locks. You can save up to 13% with the installation of an a security system or sprinklers. The key is to read the policy language and ask lots of questions before, during, and after you choose a policy.

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Life Insurance

Nationwide is the leader in life insurance. When it matters, trust a professional. Call us to discuss your life insurance policy.

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Motorcycle Insurance

Enthusiasts appreciate the coverage provided by The Bentley Agency. Get out there and ride, you’re insured.

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Boat Insurance

Enjoy the lake or ocean; don’t let minor issues keep you away from your recreation. We also insure Jet Ski’s and Personal Water Craft.

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Business Insurance

Running a business can be as challenging as it is rewarding; especially when you think about the risks that you face day to day. That is why we, at the Bentley Insurance Agency, take the time to evaluate your business and needs to provide high quality business insurance. Then, using a full range of coverage including property, liability, crime, and inland marine our agents develop a customized plan that works for you and is competitively priced. So you can focus on the day-to-day operations, confident that your business is protected in the fullest.

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Agribusiness / Farm Insurance

We’ve been helping protect agriculture for more than 100 years, so we know how important it is for farmers and ranchers to work with people who understand their unique needs and risks. Get a farm insurance quote today from people as passionate about farming and ranching as you are.  My insurance backing comes from the #1 insurer of farms/ranches in the country.  If anyone knows how to protect your assets its the Bentley Insurance Agency.  We are a Certified Agribusiness Agency determined to make you aware of potential losses and solutions.

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Renters Insurance

Renters need not be weary any longer, relief is here! Our office can write a renters policy that can move with you as needed. Call our office to learn more about how dynamic renters insurance can be.

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Condo Insurance

Do you own property at the coast or in the mountains? Insure it with us and be worry free that regardless, you are covered.

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Bonds

Bond insurance is a service whereby issuers of a bond can pay a premium to a third party, who will provide interest and capital repayments as specified in the bond in the event of the failure of the issuer to do so. The effect of this is to raise the rating of the bond to the rating of the insurer; accordingly, a bond insurer's credit rating must be almost perfect. Source: http://en.wikipedia.org/wiki/Bond_insurance

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