Auto Insurance
In Belmont, Charlotte, Gastonia, Shelby, NC, Rock Hill, Columbia, SC, and the Surrounding Areas

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Your vehicle can be a fairly costly investment—one that is exposed to many potential losses that are out of your control. We’ll make sure you have the protection you need at a price you can afford.

If you are like most people in Belmont, Charlotte, Gastonia, Shelby, NC, Rock Hill, Columbia, SC, and the surrounding areas, you use your vehicle at least once per day, and often several times a day.

Whether you are heading to work, hitting the drive-thru, dropping kids off for events, or going out for dinner, you drive around quite a bit. With all of this travel in your vehicle, it is important to have the right auto insurance on your vehicle, and our team at Watson Insurance Agency can work with you to make that happen. Give us a call today to review your auto insurance coverage.

Car Insurance That Addresses Your Needs

Maybe you have a large SUV to transport your whole family, or you drive a small commuter car for the good gas mileage, or even a performance EV to help do your part.

Whatever you drive, you need car insurance that addresses your needs, not someone else’s. This is why working with an independent insurance agency like Watson Insurance Agency can make a big difference in not only what you pay but what sort of coverage you have.

If you have an inexpensive commuter vehicle that is older, you aren’t as concerned with insurance covering the replacement cost of that vehicle. On the other hand, if you just upgraded to a newer vehicle for your family, you will likely want to have full coverage on it since that’s expensive to replace. Whatever your situation, we will shop the market on your behalf to find the right car insurance policy for your needs.

And don’t forget any new drivers that you may have in your household. As they come of age and get their driver’s license, they will be included on your car insurance.

It could save you money to work with Watson Insurance Agency to find a new auto insurance policy that will cover everyone who drives.

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Bodily Injury Liability Coverage
Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.


Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage
Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.


The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Medical Payments Coverage and Personal Injury Protection
Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.


Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.

Uninsured / Underinsured Motorist Damage Coverage
Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.


Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage
Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.


Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Rental Coverage / Loss of Use
Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.


Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

Auto Insurance Options for All of Your Personal Vehicles

In many cases, people don’t own just a single vehicle, but they often have two, and sometimes even more vehicles. When you have multiple vehicles, you can often get a multi-vehicle discount from insurance companies.

But don’t just stop there, as there are other personal vehicles that you should be sure to have insurance on, including motorcycle insurance, RV insurance, as well as boat insurance.

It is important to review your auto insurance policy regularly to make sure that you have the right coverage for all of your vehicles and needs in Belmont, Charlotte, Gastonia, Shelby, NC, Rock Hill, Columbia, SC, and the surrounding areas.

Call Watson Insurance Agency today to learn more and schedule a review of your auto insurance.

Auto Insurance & Car Insurance in Charlotte, NC for Family Traveling Together on a Road Trip

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