Verified Local Agency
We force Progressive, Travelers, and other top carriers to compete for your business. You get the winner.
NC families save up to $847/year by bundling Auto & Home.
No Spam No Credit Card Req. NC Licensed
We are an authorized agent for:
These carriers compete for YOUR business. You get the best rate.
Standard agents can only offer you one company's discounts. We check multiple carriers to unlock savings they can't touch.
Big insurance websites make you do all the work. We handle the heavy lifting for you.
Enter your zip or snap a photo of your current policy. No bots here - a real pro reviews your discounts.
We force carriers like Travelers & Progressive to compete for your business.
Review your custom savings video, e-sign from your phone, and you're done.
Most agents work for one company and can only offer one price. We work for you.
The #1 reason people stay with expensive carriers? They think switching is hard. It's not.
Call your old company, wait on hold, fill out forms, notify your lender, coordinate dates... exhausting.
We handle the break-up. We cancel your old policy, notify your mortgage lender, and set up your new plan. You just sign on your phone.
These aren't actors. They're your neighbors who let us share their story.
Elkin, NC
"I was with Geico for 8 years and thought I had a good rate. Bill found me the same coverage for $70 less per month. I couldn't believe I'd been overpaying that long."
Mount Airy, NC
"State Farm kept raising my rates every year. Bill shopped it and got me better coverage for way less. Plus when I had a claim, he actually answered the phone."
Jonesville, NC
"Added my teenage son to the policy and Progressive wanted to double my rate. Bill found a carrier that specializes in families with young drivers. Huge difference."
Want to see if you could be our next success story?
Check My Rate (No Obligation)Don't just take our word for it. Here's what real customers are saying.
via Google Reviews
"Bill and his team are amazing! They saved us over $600 on our auto and home bundle. The whole process was easy and they explained everything clearly."
via Google Reviews
"Finally an insurance agent who answers the phone! Had a claim and Bill walked me through everything. Can't recommend them enough to anyone in Surry County."
Tailored protection for your lifestyle in Elkin & beyond.
Life changes fast. Make sure your coverage keeps up.
Closing on a house? We work with lenders for fast binders.
Adding a driver? Let's find the best "Good Student" discounts.
Growing your local business? Get liability & workers comp.
Protecting your nest egg with umbrella policies & more.
When you call the 1-800 numbers, you get a call center in a different state. When you call us, you get me or my team right here in Elkin.
And the best part? We usually find better rates than the 1-800 numbers because we check multiple companies at once.
"State Farm has Jake. We have actual Bill."
National apps are convenient until you have an accident. That's when you need a neighbor. We provide guidance and support when it matters most.
Reporting a claim can be stressful. We help you gather the right information and guide you through the initial filing process to help avoid common delays.
If you feel like a number to the carrier, we step in. We help facilitate communication with adjusters to ensure your claim is handled professionally.
Need a reliable body shop or roofer in Elkin? We can share a list of local professionals that our clients have had great experiences with.
Tap the gold dots to see exactly what is protected (and what isn't).
Analyze your coverage gap in seconds.
Verified"Bill saved us $823 a year! He took the time to explain everything clearly."
Sarah M.
Elkin, NC
Verified"Saved over $1,100 switching. When a tree hit our house, Bill was there immediately. Real service."
Mike T.
Mt Airy, NC
Verified"Finally an agent who answers the phone! Personal service you just don't get anymore."
Jennifer R.
Jonesville, NC
Agency Owner Since 2004
"We treat every client like family. My job isn't just to sell you a policy, it's to ensure you're protected when life happens."
Local expertise in Surry, Wilkes, and Yadkin Counties.
Follow us for daily tips, local news, and exclusive insurance hacks.
Get quick answers to the most common insurance questions from North Carolina drivers and homeowners.
It takes 2 minutes to potentially save hundreds on your NC policy. No obligation.
"The Big Carriers work for their shareholders.
Bill Layne works for you."