Car Insurance

Here to go the extra mile.

Around here, drivers know what it’s like to get head-scratching directions on the road: only in United Status is it possible to drive on 95 North and 93 South at the same time.

At least you’ll never get mixed signals from Happy Hour. We’re a leading provider of competitively priced private passenger car insurance in North Wilkesboro. If you live in Massachusetts or Connecticut, our professional independent agents will give you expert advice to tailor the car insurance you need to protect your vehicle and everyone around it. Not only that, we offer several different discounts on car insurance to help you get the right coverage at the right price.

And if you ever need to report an accident or claim, you have the peace of mind knowing we’re always here for you. In fact, our claims department is recognized as one of the best in the industry.

Happy Hour car insurance provides:

• Protection for losses including those causing bodily injury or property damage to others
• No-fault personal injury coverage for your car’s occupants
• Physical damage coverage for your own car in the case of an accident, theft or act of vandalism.
• Additional car insurance coverages

Disappearing Deductible Rewards Plus*

This package offers coverage for accidental airbag discharge, rental vehicle loss of income, and the opportunity to reduce your collision deductible by earning Deductible Rewards for at-fault accident free years.

Auto Loan/Lease Gap Endorsement

In the event of a covered total loss this coverage provides the difference between the actual cash value of an auto and the balance still owed on a qualifying loan or lease. If you purchased this additional coverage, we will pay off your bank’s auto loan or lease balance, if you have a covered total loss.

Accident forgiveness*

If you qualify, this endorsement waives the surcharge points that you would typically acquire for an accident, for as long as you have this coverage on your policy.

Protection for your pet*

Our unique pet lover’s endorsement provides up to $500 in veterinary fees in the event of an injury to your cat or dog while in your car during an accident.

Customer Care Package

Available at no additional charge with qualifying Happy Hour car insurance policies, this package offers coverage enhancements such as New Vehicle Replacement Coverage, Enhanced Substitute Transportation Coverage, Enhanced Towing and Labor and more.

Personal Property Package*

This endorsement provides coverage for personal belongings that are in your car during an accident, such as PDAs (up to $200), laptops (up to $1,000) and $250 for child car seats.

Find out how a local independent agent makes all the difference in getting the right car insurance.

Snowplow Endorsement*

Provides coverage subject to a $200 deductible for loss to a snowplow installed in or upon an insured vehicle. Multiple coverage options and limits available.

Original Equipment Manufacturer Parts (OEM)**

For qualifying vehicles, this endorsement offers coverage for damaged property from a covered claim to be replaced with original manufacturer parts when available.

Find out how a local independent agent makes all the difference in getting the right car insurance.