Q. Do I have to buy auto insurance?
A. Yes. All states have financial responsibility
laws. This means that either you must purchase
a minimum amount of liability insurance
or prove that you have set aside enough
money to pay for the damage you may cause
in an accident.
Q. How much will my insurance cost?
A. Premiums, or the amount you pay for insurance,
can vary widely. The type of car you
drive, your driving record, your age, your sex,
where you live and how much you drive usually
affect the cost.
Q. Will my insurance be affected if I’m
involved in an accident or get a ticket?
A. You may have to pay more for insurance if
you’re at fault in an accident, get a ticket for a
serious traffic violation such as speeding or
file too many claims.
ASK ABOUT OUR RISK PROFILE
REDUCTION PLAN
What's this?
A. Yes. All states have financial responsibility
laws. This means that either you must purchase
a minimum amount of liability insurance
or prove that you have set aside enough
money to pay for the damage you may cause
in an accident.
Q. How much will my insurance cost?
A. Premiums, or the amount you pay for insurance,
can vary widely. The type of car you
drive, your driving record, your age, your sex,
where you live and how much you drive usually
affect the cost.
Q. Will my insurance be affected if I’m
involved in an accident or get a ticket?
A. You may have to pay more for insurance if
you’re at fault in an accident, get a ticket for a
serious traffic violation such as speeding or
file too many claims.
ASK ABOUT OUR RISK PROFILE
REDUCTION PLAN
What's this?
Common Questions
About Auto Insurance
About Auto Insurance
Quote your own auto
insurance by clicking
above.
insurance by clicking
above.
803-407-9991 Columbia, SC
843-793-4590 Charleston, SC
843-793-4590 Charleston, SC
FOR A GREAT RATE
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GIVE AN AGENT A CALL!
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(Use the agent contact
forms on your agents page.
We'll e mail one right away.)
MY AGENT
Auto insurance shopping tips:
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.
Don’t: Assume your old car or truck is worthless. A quick
search on what like vehicles are selling for 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.
Don’t: Buy state minimum coverage. If having a large bill for an
accident you didn’t create isn’t motivation enough then allow one
of our agents to show you how a Risk Profile Reduction Plan
can get you more coverage 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…
Don’t: 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.
Do: Remember any time you make a switch the DMV will send
you a letter asking you to prove you have insurance.
Don’t: Worry too much about it. Give us the reference number
from the form and we will enter it into the states database. You
should receive a confirmation letter in about 15 days.
Do: Ask us any questions you may have. We are here to help.
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.
Don’t: Assume your old car or truck is worthless. A quick
search on what like vehicles are selling for 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.
Don’t: Buy state minimum coverage. If having a large bill for an
accident you didn’t create isn’t motivation enough then allow one
of our agents to show you how a Risk Profile Reduction Plan
can get you more coverage 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…
Don’t: 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.
Do: Remember any time you make a switch the DMV will send
you a letter asking you to prove you have insurance.
Don’t: Worry too much about it. Give us the reference number
from the form and we will enter it into the states database. You
should receive a confirmation letter in about 15 days.
Do: Ask us any questions you may have. We are here to help.
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