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Tips to Consider When Looking for South Carolina Car Insurance

Purchasing Affordable insurance for a car does take a little bit of time, but it’s well worth the effort when the person has enough coverage to handle any situation without overpaying. When a person is looking into South Carolina Car Insurance, they’re going to want to beware of the different types of insurance they might want to get and think about how much coverage they one for each type. Although there are state minimums, it’s often far better to exceed these minimums when possible.

Types of Car Insurance

There are typically four main types of insurance a person will want to look into.

  • Liability – This covers the driver’s medical bills if they are in a covered car accident they caused. The state minimum for liability insurance is $25,000 bodily injury per person with $50,000 bodily injury per accident and $25,000 property damage per accident.
  • Collision – This covers the repairs for the driver’s vehicle for any covered accident. This is often required by the lender while a vehicle is being financed.
  • Comprehensive – This is coverage for anything that can happen to the vehicle other than an accident, which typically includes emergencies like a stolen car, hitting a large animal, or weather damage.
  • Uninsured/Underinsured Protection – This covers the driver in the event they’re in an accident caused by another driver and the driver who causes the accident doesn’t have any insurance or doesn’t have sufficient insurance to cover the accident-related expenses.

Dollar Amount of Coverage

Liability and uninsured/underinsured coverages are both required by the state of South Carolina. There is a minimum amount the person will be required to have to legally drive their vehicle. However, this often isn’t enough to cover everything that could happen in an accident. When comparing policies, it’s a good idea to compare how much they will cover instead of just the cost of the policy as a person will most likely want to purchase more than the minimum.

Ways to Save Money

Car insurance can be expensive, but many companies offer ways to save. When comparing quotes, it may be a good idea to look into ways to lower the premium amount. Raising the deductible can lower the premium up to 47% depending on a variety of factors. Other ways to save may include discounts for being part of a certain group, being employed by a certain business, being a safe driver, or driving a low number of miles per year. Checking Online rates may offer another way to save as some companies offer lower rates to those who apply and purchase a policy online.

How to Find the Best Deal

Comparing the various quotes is going to be a large enough task. Many people prefer to work with an agent so they don’t have to take the time to acquire all of the quotes on their own. Often, they can work with an agent online or on the phone to get the help they need. This gives them access to multiple quotes quickly and help if they have any questions.

These are just a few things a person should keep in mind when they need to purchase Car Insurance in South Carolina. Once they know what types of coverage they need and how much they want, it’s a good idea to get a few Insurance Quotes. An agent can help get the quotes for a person so they don’t have to spend time sorting through a seemingly endless number of options.