South Carolina Car Insurance
Are you looking for a South Carolina car insurance policy that keeps your money in your pockets—or your bank account—if you're involved in an accident? Well, InsureMe can help you find it! We've been helping consumers get the comprehensive South Carolina car insurance policies they need since 1993…and we can help you, too.
Just fill out our quote box today for the South Carolina car insurance quotes you need. We'll get you up to five competitive quotes—and the power to choose the right one yourself!
South Carolina State Requirements
South Carolina is a "tort" state, which means the person not at fault in an accident may pursue an insurance claim against the party who caused it. Therefore, it is wise to make sure you have adequate South Carolina car insurance to protect yourself if you're involved in an accident.
You must carry at least $15,000 bodily injury per person; $30,000 bodily injury per accident and $10,000 property damage per accident in South Carolina. These limits are often referred to as 15/30/10. Ask your South Carolina car insurance provider to explain these minimums further if you have questions concerning them.
Getting the Right Coverage
The South Carolina car insurance market is a competitive one. According to the South Carolina Department of Insurance, over a hundred insurance companies have entered the state's car insurance marketplace since the late 1990s, giving you more choice in South Carolina car insurance providers.
Not all South Carolina car insurance companies charge the same amount for identical coverage. The best way to make sure you get the most coverage for the cheapest price is to comparison shop. Talk to several different insurers to get a feel for what most of them charge for the types of coverage you need.
Look for the best combination of service and price to ensure you have both the coverage you need and a premium you can afford.
Keeping Your Premium Low
Other things you can do to keep your South Carolina car insurance premiums low include:
- Obey all traffic laws and maintain a good driving record
- Get a list of available discounts and take advantage of them
- Consider increasing your collision and comprehensive deductibles
- Find out what your insurance premiums will be before you purchase a new car
- Have every driver in your household complete a driver's education course
- Insure your car and your home with the same company to achieve a multiple-policy discount
Choosing an Agent
It is important to find an agent willing to explain different types of coverage and tailor coverage amounts to your particular situation. If you are considering doing business with a South Carolina car insurance agent who isn't willing to take the time necessary to do so, take your business elsewhere!
Your agent should also do everything in his power to save you money on your South Carolina car insurance. If you let the agent know you are shopping around for the best price, you are much more likely to get the most competitive price for what you need.
A good insurance agent will do his best to keep you informed about possible changes in your South Carolina car insurance. Talk to your agent to get a feel for how communicative he might be regarding any policy changes, as well as changes in state requirements. Let him know your expectations, and then ask if he can provide you with references from satisfied customers. There's nothing like word-of-mouth to help you determine whether this is an agent you want to do business with long-term!
If You Can't Find Coverage
If you have a record of accidents, speeding tickets or other violations, insurance companies consider you a high-risk driver—and it may become difficult to obtain a South Carolina car insurance policy.
Some South Carolina car insurance companies specialize in insuring this type of driver. However, if you find yourself in this situation and cannot find a licensed insurance company willing to insure you, seek coverage with the Joint Underwriting Association (JUA). Rates will be higher but, with a low future claims record, an improved violations record and timely insurance payments, you should eventually be classified as lower risk, enabling you to return to the usual South Carolina car insurance market.
For more information on the JUA, call 803-779-0092.
Now—get going!
Now that you know what to look for, let InsureMe put you in touch with the South Carolina car insurance companies with the quotes you need. Then you decide what's best—and drive away assured you have the protection you need.
Contact us today!
