Rick Hamby Insurance

Tips for Finding an Agent

• Make sure they specialize in the coverage you need
• If the agent is too busy to sit down with you, find a different agent
• Independent agents generally work with more companies than captive agents
• Captive agents only work for one company
• Ask for their license number and if they balk, find a new agent

Insurance Buying Tip

Consider packaging your home and auto coverage together to get a multi-policy discount. Most companies that offer coverage in North Carolina, and more specifically Hickory, give a discount up to 25% when you combine your policies with the same company. Call Rick Hamby Insurance at (828) 328-2609 or go to their location in Hickory to get an insurance review.

Frequently Asked Questions

• How can I find an agent in Hickory?
• Should I buy home and auto insurance from the same company?
• What are minimum liability requirements in North Carolina?
• What should my deductibles be?
• What is the difference between comprehensive and collision coverage?