About Charlotte Ray Insurance:
Auto Insurance, Home Insurance, Commercial Insurance and more.

Our family is working for your family.

A genuine concern for your wellbeing: what exactly does that mean? It’s simple, really. As a family owned and operated business, we understand what it means to truly care about the people we serve. We know there’s no substitute for sincerity and we’ve learned that personal service means listening first. We’ve become known as the family insurance agency and we like the sound of that. After all, our family business is providing protection for your family.

Catherine Alexis Ray, CISR,CPIA, daughter of Clay Ray Sr., C.O.O. and Charlotte Ray C.E.O., has been working in our agency since she was 8 years old. Don’t worry, she wasn’t binding coverage back then! Lexie has learned the industry from the ground up, and she is the backbone of our daily operations in so many ways. From our family to yours, it’s our privilege and pleasure to serve all your insurance needs.

Independent Agent:

We work for YOU… not the insurance company

The simple truth is that when you’re a captive agent for Insurance Company Z, you sell insurance for Company Z…and only that company's insurance. But what happens if a person needs a product that Company Z doesn't offer…or a target budget that Company Z can’t hit?

THAT’S one of the main advantages of dealing with Charlotte Ray Insurance: we’re looking out for you, not a corporation. We’re not locked into a ‘one size fits all’ approach when it comes to providing affordable quality coverage.

As an Independent Agent, Charlotte Ray Insurance represents the finest national and regional insurance companies in the country. This means we actively shop on your behalf, ensuring you get the best possible coverage at a price you’ll truly appreciate!