Auto insurance in Winston-Salem, NC, in English and Spanish

We're an independent agency with an office in Winston-Salem, at 2120 Old Lexington Road, serving drivers across the city and Forsyth County in English and Spanish. We don't work for a single insurer: we compare several companies and explain the differences calmly, so you choose with information, not blindly. Whether you drive Salem Parkway, US 52 or I-40 every day or only use your car on weekends, we build the policy around how you drive. Call 336.793.1505; besides regular hours, this office also sees clients after hours and on Saturdays by appointment.

The four parts of your auto insurance

In North Carolina, liability insurance is required for every registered vehicle and can't lapse. Along with it, these are the coverages worth knowing:

Liability: pays others for injuries and damage you cause. For policies issued or renewed on or after July 1, 2025, the legal minimum is $50,000 per person and $100,000 per accident for injuries, and $50,000 for property damage (50/100/50).
Uninsured/underinsured motorist (UM/UIM): required on every new or renewed policy, at least at the new limits. It covers you when the at-fault driver has no insurance or very little.
Collision: repairs your vehicle after a crash, even if you were at fault, minus the deductible you choose.
Comprehensive: covers damage that doesn't come from a crash, like theft, vandalism, hail or a falling tree.

Carrying only the minimum is legal, but it can fall short. We explain why in our guide to the new minimums.

This is how we quote your insurance

Tell us what you drive and who drives it. Use the quote form, call, send a WhatsApp or visit us at 2120 Old Lexington Road.
We compare several companies. A licensed agent looks for the combination of coverage and deductible that fits you.
We explain and you choose. Your coverage is in force when an agent confirms it with you, including the start date.

What should you bring or have ready?

The license of each person who will drive
Year, make, model and VIN of each vehicle
The Forsyth County address where you keep the vehicles
Your current declarations page, if you already have a policy
Information about recent accidents or tickets

Agents you know by name

At the Winston-Salem office you work with agents who know your policy, like Chino Ly and Monserrat García, personal and commercial insurance agents. You can call them directly or stop by the office.

As an independent agency, we quote your auto insurance with several companies, including AAA Carolinas, Discovery Insurance Company, Insurance House, Liberty Mutual, National General, Progressive, The General and Travelers. See all the companies we represent or learn more about our auto insurance.

Frequently asked questions

Are you open on Saturdays in Winston-Salem?

Yes, by appointment. The Winston-Salem office is open Monday to Friday, 9 AM to 5 PM, and also after hours and on Saturdays by appointment. Call 336.793.1505 to set a time.

Can I get insurance with an ITIN or a matrícula consular?

Yes. We work with clients who have an ITIN or a matrícula consular. Tell us what ID you have and a licensed agent will explain your options.

Who can I talk to at the Winston-Salem office?

Any of our agents there, including Chino Ly and Monserrat García. Everyone helps clients in English and Spanish.

What's the difference between collision and comprehensive?

Collision pays for damage to your car when you hit another vehicle or an object. Comprehensive pays for other damage, like theft, hail or vandalism. Many people carry both; we'll explain them when we quote.

Why did my insurance go up if I had no accidents?

Rates change for many reasons, and some violations of 4 points or more now carry a 5-year surcharge under the Safe Driver Incentive Plan (SDIP). If your price went up, we'll compare it with other companies.

Can I bundle my car insurance with my home or apartment?

Yes. Many companies offer a discount for having several policies together. See our auto and home bundle or ask us about renters insurance.

Do you serve clients from Kernersville, Clemmons or Lewisville?

Yes. We serve clients throughout Forsyth County, including Kernersville, Clemmons, Lewisville and Walkertown, in person or by phone and WhatsApp.