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Charlotte Insurance Agency is an independently owned and operated business serving individuals and business owners for over 100 years. All of us at Charlotte Insurance are proud of our reputation and take pride in our commitment, responsibility, and personal relationships with our clients. We continually search for and sell quality insurance products to customers whose principal interest is asset protection.

Charlotte Insurance is licensed to sell for a variety of insurance companies, enabling the agency to tailor your insurance to meet your specific needs at the best price possible.
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What is auto insurance? Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists.
Because everyone's needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you. What is Homeowners insurance? Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.
Reviews (6)
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J. Maddox
Jun 17, 2022
I have had Rachel as my agent for many years and she is always done a great job!
Ben Huber
Mar 20, 2022
Rachel handled my new home purchase with speed and efficiency. Worked with my lender to get them all that was required for my closing. She put me with a very reputable company with great rates and excellent coverage. She went above and beyond. Highly recommend them!
Sgjca
May 29, 2021
Contacted this agency two weeks ago via email to obtain a quote, one week later I had not received a response so I decided to call the office. On that day I spoke with a woman who identified herself as Tanya (sp) who proceeded to take mine and my wife's information as well as the information for my three vehicles and pertinent information regarding my home.

She stated she would email the quote to me as soon as it was completed. As of today (4/27/21) I had not heard back from anyone regarding my quote. I again called the office and spoke to the exact same woman (identified as Tanya) and who's name I specifically wrote down during our initial conversation questioned her about the quote we had discussed the previous week.

This woman actually denied ever speaking with me and would only respond by saying quotes are given through the national office! Can you imagine if you actually had to file a claim with this agency!?
Charmine James
Mar 09, 2021
One of the lady there I spoke to was very rude. she want me just accept the rate increase. I wouldn't advice anyone to use their agency
Thomas Gibbons
May 19, 2020
Terrible, get voice mail every time we call. Never could talk to our agent Kristie Moses. We had to call Progressive directly to make policy changes.
Deirdre Reed
Apr 11, 2020
Terrible! Called and provided information for a quote on a residence. Followed up 5 days later due to no contact from agent. Agent then left a voice mail that "it takes time" but she was working on it. Twelve days later with 4 days left on my existing policy (being cancelled due to location), called and found out agent did not even work there anymore! No follow up on her "clients". No follow up even after that. Most times just get answering machine. Nice to be so busy you don't need to follow up with clients!