Do not:  Insure your SC home based on the loan value or the purchase price.

Do:  Know that some carriers add a wind or hurricane damage deductible on top of the standard deductible to policies for houses in
areas prone to such damage.  In some places earthquake deductibles apply.  Places that are deemed high risk to wind and hail damage
may even exclude it from the policy all together.  Those cases require a separate wind and hail or “hurricane” insurance policy.

Do not:  I know it’s hard sometimes and we have all heard the term insurance poor, but try not to get frustrated if you live in a high risk
area.  Our agents are here to help protect your home from risk.  If you chose to live in a high risk area there are unique costs associated
with that decision.  We try our best to explain the options available so you can make a sound decision.

Do:  Know that NO homeowners insurance policy covers damage from a flood.

Do not:  Think it can’t happen to you even in South Carolina.

Do:  Buy additional coverage for luxury items like furs, jewelry and artwork or home-based business equipment like computers and tools.
Your regular policy may not cover the cost to replace these items in the event of loss.

Do not:  Ever hesitate to give us a call with any questions you may have.  
Auto insurance shopping tips for South Carolina:

Do:  Know your vehicle.  Yes you need to know the year, make, and model.  It’s good to know the value of the vehicle or what it would
cost to buy another one in like condition.

Do not:  Assume your old car or truck is worthless.  A quick search on what like vehicles are selling for in South Carolina may shock you.

Do:  Know that if you are in an accident driving with state minimum coverage and are hit by a driver with state minimum coverage you
may have a serious gap in coverage if the accident is severe.  You could be stuck with a large medical bill even though you are not at
fault.  Buy limits of liability higher than the state minimums.  Buy underinsured and uninsured coverage.   

Do not:  Buy state minimum coverage.  If having a large bill for an accident you did not create is not motivation enough then allow one of
our agents to show you how a
Risk Profile Reduction Plan can get you more coverage in SC for less than you would pay for minimum
coverage.

Do:  Use some of our special plans to help lower your costs.  We have a teen driver discount plan, hybrid vehicle discount plan, classic
car plan, and of coarse our
Risk Profile Reduction Plan.  They are all designed to help you save.  Ask us what’s new with auto insurance
in SC.

Do not:  Make a bad decision because you are in a rush to get insured.  Take a minute and get to know the person and company you’re
doing business with in SC

Do:  Ask us any questions you may have.  We are here to help our great customers in South Carolina.
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South Carolina insurance quote tips:

Quote your auto or car insurance once a year.  In  SC our offices are here to provide a quick auto or car insurance quote even for
our existing clients.  We have been able to lower rates for car or auto insurance clients that have been with us for 3 or more years.

Look at increasing your auto or car insurance liability limits.  Having increased auto or car insurance liability limits can qualify your
risk for a preferred rating tier.  Any of our  South Carolina area insurance agents can explain how this can get you a lower auto or
car insurance quote or rate.

Ask about EFT discounts.  Having the monthly premium automatically deducted can lower clients auto or car insurance monthly
rates.  All our SC area agents can help find the right pay plan for you.

Clients living in homes constructed within the last 10 years need to keep in mind that new home discounts decrease over time.  
Quote homeowners insurance rates every few years in these cases.  Our SC area agents can help make sure clients are receiving
the maximum discounts.

Clients that have had a claim in the past should check with their South Carolina insurance agent every year so that the homeowners
insurance rate can be quoted again without the claim.  This will make sure the risk is properly rated.

A quote for homeowners insurance can be reviewed by any of our SC area agents.  Ask about new coverage areas offered as
companies change their policies every few years.

When getting a quote for business insurance in SC make sure to estimate your payroll or sales numbers accurately.  Our South
Carolina area agents can help you with these numbers.
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For South Carolina insurance GCI Agents LLC is your answer. We offer auto insurance, homeowners insurance, renters
insurance, business insurance and life insurance quotes to residents of Charleston, Columbia, Irmo, Chapin, Lexington,
Summerville, Orangeburg, Elgin, Camden, Newberry, Blythewood, Sullivan's Island, Hilton Head Island, Myrtle Beach,
Conway, Greenville, Rock Hill, and Florence, South Carolina and surrounding areas. We are your one-stop shop for insurance
quotes, whether it is
auto insurance or homeowners insurance quotes that you are seeking. Make sure you have adequate
coverage in every possible situation with the best insurance quotes for South Carolina from The Insurance Shopping Experts of
GCI Agents LLC.

We are the premier insurance agency in South Carolina , offering coverage in all areas at low rates. With some of the top
insurance quotes in South Carolina, you can be sure that you are receiving the best service and support when it comes to your
insurance quote. For the top insurance policies, look no further than
The Insurance Shopping Experts of GCI Agents LLC. Give
our agents a call to receive
quotes, information and to get insured instantly.  Serving Columbia, Irmo, Chapin, Lexington,
Charleston, Summerville, Orangeburg, Elgin Camden, Newberry, Blythewood, Sullivan's Island, Hilton Head Island,
Myrtle Beach, Conway, Greenville, Rock Hill, and Florence.
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Homeowners insurance shopping tips for South Carolina:

Do:  Know your South Carolina area home.  Before getting a home insurance quote
you should know your homes square footage, age, roof age, and type of construction.

Do not:  Forget to increase your liability limits. Many home insurance companies will
increase your home insurance policy's limits for just a few dollars extra.

Do:  Insure your SC home to replacement cost value.  Buy enough coverage to
rebuild your home if the worst were to happen. Talk to a professional agent and
determine how much it would cost to duplicate the size and style of the home you are
currently in. Our agents have a computer program designed to determine the cost of
replacing your home.  Better to pay a little more in premiums than a lot more for a new
house.
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