South Carolina Car Insurance – Auto Insurance Quotes in SC
It is tempting to think that because of South Carolina’s warm and southern climates, that the lack of inclement weather makes car insurance unimportant. However, one forgets that with good weather comes tourism, and with this many drivers on the road, many of whom are unfamiliar with the state’s traffic laws, its even more important to meet and exceed South Carolina’s mandatory minimum insurance requirements.
MyCarInsuranceRates.com is not only aware of the state’s minimum liability limits, but can also provide drivers access to the best car insurance rates and companies in the country.
South Carolina Car Insurance Requirements
A lot of states in the U.S. follow the Tort system for car insurance, and South Carolina is one of them. In a Tort system, one driver and their car insurance company are always designated to be at fault for being the cause of an accident, requiring that person to take financial responsibility for any injuries and damages incurred therein. As a result, South Carolina requires liability insurance, as well as coverage against uninsured motorists. Drivers are required to maintain a certain amount of bodily injury, property damage, and uninsured/underinsured motorist coverage.
Understanding South Carolina Car Insurance Liabilities & Coverage
In South Carolina, the requirements call for what is known as a 25/50/25 coverage policy; drivers must also have a 25/50 plan regarding uninsured or underinsured motorists. Basically, the minimum requirements in the state call for coverage of at least $25,000 for any injured individual, $50,000 per accident, and $25,000 for any public or private property damage.
Additionally, a minimum of $25,000 is necessary to cover injuries to an uninsured individual, while $50,000 is needed to cover all bodily injuries incurred during an auto accident, and $25,000 is required to pay for property damages for uninsured motorists, including repairs. These types of policy requirements are quite common, and drivers will find it prudent to do some comparison shopping to find affordable car insurance rates online.
South Carolina Insurance Coverage
- Bodily Injury Liability: $25,000/$50,000 Limit
- Property Damage Liability: $25,000 Limit
- Uninsured/Underinsured Motorist Bodily Injury: $25,000/$50,000 Limit
- Uninsured/Underinsured Motorist Property Damage: $25,000 Limit
Shopping around for cheaper car insurance rates can be tedious, but MyCarInsuranceRates.com makes it extraordinarily easy. All a driver has to do is type in his or her zip code to get free car insurance quotes from the best auto insurance providers available in South Carolina.
South Carolina Car Insurance Laws & Regulations
The penalties for driving without insurance and for not having proof of adequate insurance in South Carolina are quite stiff. A driver without insurance is certain to pay escalating fines, depending on how many offenses he or she has. Imprisonment is also a very real threat in the state, and fees for reinstating a revoked registration are almost guaranteed. At worst, a driver who has repeatedly failed to maintain insurance and/or proof of financial responsibility can be arrested for the offense.
Average South Carolina Car Insurance Rates
On the average, South Carolinian drivers paid $1,504 annually in 2010, while national averages were about $1,538 per year. However, throughout the US, car insurance rates are lower over the past twelve months. Car insurance rates in South Carolina are cheaper this year, decreasing 6 percent between 2009 and 2010, but coming after a 14 percent increase from 2008 to 2009. It may be a good time to start comparison shopping to find out which insurance providers offer the lowest quotes.
South Carolina Car Insurance Quotes
MyCarInsuranceRates.com offers drivers free car insurance quotes online from the best auto insurance companies, such as Nationwide, Allstate, GEICO, Progressive, 21st Century Insurance, Liberty Mutual, State Farm, Farmers Insurance, AAA, AARP, and Esurance.
After a huge change in car insurance rates over the last few years, it may make sense for policyholders to get free rate quotes to check if their insurance company is really offering them the lowest rates in the market. If not, it could make sense for drivers to switch car insurance companies.
Enter your zip code now, get car insurance quotes and begin your search for cheap South Carolina car insurance.
