Affordable Car Insurance Auto Insurance in South Carolina - Compare Rates




Columbia, Charleston, rock hill, Greenville, Anderson. Wherever you live, if you drive, you are supposed to carry valid insurance policy. South Carolina, like any other state in the Union, has laws mandating minimal levels of protection.


Minimum Insurance Requirements

The current minimum level of liability insurance coverage includes:
>> Per Person Bodily Injury coverage of at least $25,000.
>> Per Accident Bodily Injury coverage of at least $50,000.
>> Property Damage coverage of at least $25,000 per accident.

This is often referred as "25/50/25".

Although purchasing insurance is a necessity but many drivers are uninsured and if you are involved in an accident with such a driver, then you are unprotected. So it is better to purchase the Uninsured Motorist Coverage Bodily Injury
>> Per Person: $25,000
>> Per Accident: $50,000

This coverage will pay for medical expenses and related injuries resulting from a traffic accident up to policy limits.

You can also purchase collision coverage to avail protection if your car collides with any other object including another car. Also a comprehensive coverage will cover you in case your car is damaged by any other reason (other than collision). This includes damage due to theft, fire, flood, vandalisms, animals etc.

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The State allows drivers to legally drive their vehicles uninsured by paying a $550 fee to the Department of Public Safety. But this not recommended as it leaves you responsible for any medical and property damage that you cause to others if you were to be involved in an automobile accident.

When you are in South Carolina, you need to carry your insurance proof all the time .If you are not able to do so then you may be fined. If your insurance is terminated for any reason, you are risking your license and registration. It is wise to buy insurance as the reinstatement fees can be as high as $400.

For purchasing the policy never rely on a single insurance company, always compare rates from multiple companies. You can also go online and get quotes from companies and compare accordingly. Select the company which not only caters to your needs, but also has a good rating.

Having a clean driving record suggests that you are less risky and a good credit history will reveal that you are capable of paying premiums in future. So this will lower your premiums.
>> good student,
>> completed driver courses,
>> have safety devices in your car,
>> Your vehicle usage is low.

Avail discounts on these points and reduce your premium rates.

Deductibles refer to the amount you will pay out of your pocket in case of an accident; any claim up to that amount won't be entertained by the insurer. If you are capable of paying higher deductibles amount, then go for it. Higher deductibles mean lesser premiums.

Don't waste time, go and get yourself the auto insurance you have needed for so long.

While I breathe, I hope that you insure yourself and stay safe while you take the roads.

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