South Carolina Auto Insurance Coverage
|South Carolina requires all motor vehicles to be covered by liability coverage. Current requirements are $25,000 per person for bodily injury coverage, $50,000 per accident, and $25,000 for personal property. Remember, that's the minimum requirements. With automobile accident costs exceeding $230 billion per year nationally it's a good idea to have additional coverage. |
There are over 6,420,000 automobile accidents in the United States annually with 2.9 million people injured and over 42 thousand people killed. These statistics are quite daunting and the chances of being involved in an accident get higher every year due to the increasing number of drivers on the roadways.
The amount of coverage available depends on how much you're willing to spend. Of course the amount of your premium is decided by factoring in your age, credit history, type of automobile, vehicle usage and how high you want the deductible to be if you have to file a claim. Your driving history also plays a major role in how much you'll be paying for auto insurance. There is a significant difference in rates between drivers with excellent safety records and those without. That can make the difference in the price of a premium substantial even if you're only insuring one vehicle!
Many insurers also provide discounts when you purchase multiple policies such as renters or homeowners insurance in addition to automobile coverage.
Some things are optional such as medical payment coverage and roadside service, but these additions are usually offered at a nominal fee and well worth it. If you're ever in a major accident, you may find that having medical payment coverage is very handy when trying to cover medical costs or it may be as simple as knowing that help is on the way when you're stranded on a deserted road with an overheated engine, empty gas tank or flat tire.
Getting quotes for South Carolina auto insurance is easier than ever before with access to the Internet. OnlineAutoInsurance.com lets you complete one simple form and compare what's being offered by several companies and choose the one that suits your needs best. You can even purchase and print out your new policy in the comfort of your own home.
Even if you already have car insurance, it pays to do a little research and make sure that you're protecting yourself and property wisely. It's easy and only takes a few minutes to do. After all, it's free, so what are you waiting for?