Superior Insurance in Gastonia, North Carolina with Reviews -
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By: Amos B.
Hoffman Insurance
This company does amazing to say the least! I had coverage for over 5 years when the office was location was in Lincolnton, NC. After a move I switched company's, biggest mistake ever! I was 1 day late because of that company's website and I got fined almost $250 for a lapse of coverage and renewal fee's etc. I immediately switched back to David Hoffman, he is a great business man who actually cares about his business and customers which is hard to find these days as most of us know! You can count on him anytime you have a question or concern not to mention the bundles of savings you receive with all services offered. I refuse to EVER use another business after seeing how I am appreciated, and not just another number or paycheck!
By: Jennifer L.
Hoffman Insurance
I cannot say enough great stuff about Hoffman insurance . David Hoffman , the owner /operator is Awesome. If your looking for a company to put you first and a great friend to watch your back and make sure you get best for your money , then you want to see David Hoffman! Honest, Reliable, Professional, and all around best insurance company I've ever seen. If you ever have a problem or concern call and he will resolve asap with care and friendliness. Thankyou Hoffman , for all the years you save me money and helped me out... great business check it out!
By: Kelley A.
Pegram and Noyes Insurance Agency
My husband & I have been with Pegram since the beginning of time. Lance & his team are great & have been more than helpful with any issues we've had in the past. Very knowledgeable & are always looking out for the customer's best interest. I wouldn't take my business anywhere else, they are the absolute best!
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By: Jackie S.
Pegram and Noyes Insurance Agency
Been with Pegram and Boyle for years. Great services everyone is polite , friendly and willing to help. I would recommend other customers. Thank you very much!!!
By: mustangtabby13
Hoffman Insurance
Honest Fair and Loyal !! David has integrity and compassion
Tips & Advices
By law, you need to be insured up to the minimum amount required in your state before getting behind the wheel of any car. Beyond that, your insurance needs will vary depending on your financial situation and the amount of risk you are willing to take on.
  • Full or comprehensive car insurance is the most expensive, but often the best deal for drivers who own an expensive car, those who commute frequently or anyone who lives in an area with extreme weather or high crime rates.
  • Drivers of less expensive or older cars usually save more by opting for the minimum required policy, along with some extra coverage if they can afford it. Since the cost of repairs might exceed the total value of an older vehicle, some owners forgo collision protection in favor of greater liability coverage or personal injury coverage.
If someone other than you causes an accident while driving your car, most insurance policies will still pay for damage, according to the rules that apply. However, it’s a good idea to check with the insurance provider to be sure this is the case. Regardless, either the at-fault driver or the actual policyholder will be responsible for paying for anything not covered by insurance. People who don’t own a car but frequently borrow or rent one might consider purchasing a non-owner policy to make up the difference.
Car insurance premiums might be tax deductible in certain situations, but only with the documentation to prove it. Insurance costs may be deducted as part of overall business expenses if you use that car for work-related travel. However, this does not generally apply to taxpayers who use the standard deduction when filing their income tax returns. If your car is used for business purposes often, save all insurance-related documentation, as well as receipts, invoices and other forms of proof that your vehicle expenses were for business purposes.
Car insurers set premium prices depending on every driver’s individual risk. A huge number of details are factored into every determination of insurance risk, so the cost of any two policies can vary widely depending on the driver’s personal attributes, accident history, location, vehicle type and much more. The type of coverage you choose also impacts what you pay - premiums for minimal liability coverage will almost always be lower than those of a universal coverage policy.
The cost of car insurance is highly variable, but according to the National Association of Insurance Commissioners, U.S. motorists pay around $900 per year on auto insurance.

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