Personal Services

Winston Salem Auto Insurance Service

We can help you with all of your personal insurance needs. We are here to help you protect your assets and find the right coverage at the best value.

Auto

Next to your home, your automobile is often the most expensive piece of property you own. As a result, it is important to seek the best value when buying your insurance. To ensure that you have the proper protection, there are a number of ways that you can reduce the cost of your auto premiums while obtaining the coverage you need.

Deductibles

Choosing higher deductibles for collision and comprehensive coverage is an easy and cost-effective way to lower your auto insurance bill. In many cases, the premium savings realized by switching to a higher deductible may be enough to offset the cost difference of an increased deductible in just a few years.

Discounts

  • Multi-policy:
    By insuring your auto and home with Erie Insurance, you will receive a discount on your auto premium as well as your homeowners insurance premium.
  • Multi-car:
    If you insure two or more cars with Erie Insurance and they are owned and used by the individual and/or relatives living in the same house, you receive a discount.
  • Safe driver:
    New policyholders who are claims and violation-free may be eligible for an additional discount.
  • Pay plan:
    By paying your premium in full by your effective date or within 60 days, you will receive a discount.
  • PERC:
    Long-term, claims-free drivers receive additional discounts.

Ask about the discounts you can get for having your home and automobiles insured with the same company.

Homeowners

Whether you live in a suburban Colonial or a two-story townhouse, we can help protect your home. Our agency offers a variety of home insurance policies to choose from, and these plans can be tailored to suit your individual needs and budget.

Our HomeProtector policies (homeowners in North Carolina) come with a full complement of standard features that cover your home, personal property and other structures. These policies also include coverage for liability protection, loss of use and medical payments to others in the event someone is injured in your home.

You may also take advantage of higher deductibles, and you may qualify for discounts and credits to reduce your insurance premiums. Or, you can add endorsements to your policy to broaden the nature of the protection provided even further.

Life

Wilson Insurance Services shops from among hundreds of top rated life insurance companies to get you the very lowest term life insurance rates. We also shop these same companies for the best offers if you if you need whole life or universal life insurance.

Health

Wilson Insurance Services offers an array of competitive group health insurance programs. Contact us to discuss your options regarding the procurement of group health coverage.

Long Term Care

Long Term Care Insurance is not for everyone. It is for those inividuals who desire to protect their assets against the steep costs ($50,000 to $100,000 annually depending on needs and location of care) associated with Long Term and Nursing Home Care.

This personal, assisted living care is not currently covered by health insurance. Statistics show that 50% of those over 65 years of age will utilize this type of care in the future. Consideration of long term care coverage should be a part of every comprehensive retirement plan. The younger you are the less this coverage costs. Exploring your options now gives you the freedom to choose what type of care suits you down the road. You can choose to stay at home or go to a nursing facility with the comprehensive plans available.

You owe it to yourself and loved ones to look into this coverage. We offer professional counseling, a diverse choice of plans, and financially stable companies. Contact us to discuss your options.

Disability

If you become disabled and cannot work, who will pay your bills? Statistics show that 35% of all individuals in the workforce will become disabled for a period of time that exceeds 2 weeks during their working career. Disability insurance helps replace the income you lose when you become disabled. We have competitive pricing through excellent companies who can provide you with this coverage. Contact us to discuss your options.

Personal Forms

Get a Life Insurance Quote
Get a Home/Condo Owner's Quote
Get an Automobile Insurance Quote
Get a Personal Review
Report a Personal Claim
Report a Home/Condo Owner's Claim

What Our Customers Say!

Fletcher Wilson has established himself as a highly-skilled insurance professional.  He and his firm excel in all areas pertaining to Insurance and Risk Management solutions.  Fletcher has built a reputable firm in our community with trustworthy associates.  He and his team handle their clients in a very professional manner. 

Steven H. Davis, Principal at Holden & Mickey, Inc.

Read what others have to say.

What's New

Claims and Your Insurance Rates
10/24/2017

When is it time to contact your auto insurance or home insurance agent to file a claim?

You might be thinking, "Whenever my car or house has been damaged, like by an accident, or a disaster." But deciding whether to file a claim can be a complex process. In some cases, a claim may cause an insurance company to raise your rates.  In other instances, a claim could land your name in a database that might make it difficult to get or maintain coverage in the future.  Before you file a claim, make sure you completely understand how it will impact your future premiums and insurability.
 
Claims that spike premiums
 
Certain types of home insurance claims are more likely to trigger an increase in premiums. They include:
 
1. Dog Bites
 
2. Water Damage
 
3. Slip-and-Fall Claims
 
"The whole point of insurance is to make good on a loss, to make individuals whole again," says Claire Wilkinson, the editor of Terms + Conditions, the blog of the New York-based trade group the Insurance Information Institute. However, many people fear that filing insurance claims will cause them to be "blackballed" by insurance companies, resulting in higher premiums, loss of coverage and difficulties obtaining new insurance. And in some cases, they might be right.  Read more here:
Read More »

 

What You Should Know About Rental Car Insurance
8/1/2017
There are some very serious contractual gaps in coverage for rental vehicles. Even if you purchase their Collision Damage or Physical/ Loss Damage Waivers, many rental car contracts exclude the following:
  • Theft of the Vehicle
  • Tolling, or Turning the Vehicle Over
  • Lease Gap coverage
  • Loss of Use
  • Glass, Tire and Undercarriage Damage
  • Animal Collision
  • Flood and Hail Damage
  • Damage above the Windshield
  • Individuals who rent personal vehicles for extended periods and do not have a Personal Auto policy in force
  • Drivers who rent, and do not own another vehicle insured elsewhere, need to be expecially careful here
Read More »

 

5 Ways to Control Rising Homeowners Insurance Premiums
6/10/2017
Just as with real estate values, location rules when it comes to homeowners insurance costs. According to the National Association of Insurance Commissioners, the average annual U.S. premium was $842 in 2015, the most recent year for which figures are available. Floridians paid the highest rates, averaging $1,534 a year, while at the opposite end of the spectrum, homeowners in Idaho paid $422.  North Carolina residents averaged $664 per year. 
 
Fortunately, you can take several steps to bring down the cost of your own homeowners policy, short of packing up and moving:
Read More »