How to find the best car insurance in South Carolina
Every driver may have different insurance needs depending on their driving record, vehicle type and budget, meaning the process for finding the best auto insurance in South Carolina may look different for each person. The following steps could be used as guidance during your insurance-buying journey.
Consider minimum insurance requirements in South Carolina
South Carolina’s car insurance laws mandate that drivers meet minimum requirements for liability insurance. These limits include minimum coverage levels for bodily injury and property damage. Additionally, drivers must carry uninsured motorist coverage, which offers financial protection for accidents that involve an at-fault driver who lacks coverage. While underinsured motorist coverage must also be offered, it is not mandatory and may be declined in writing.
Consider lender requirements
In addition to the state requirements for South Carolina car insurance, your lender may require you to have certain coverage types. Full coverage insurance consists of collision coverage and comprehensive coverage. Full coverage insurance is not required by law in South Carolina, although many motorists in the state may want to purchase it to protect their finances in case of an accident.
Lenders typically require collision coverage and comprehensive coverage to avoid a loss on the loan. Similarly, drivers may choose or be required to purchase gap insurance to cover the difference between the amount they owe and what their vehicle is worth in the event that it is totaled or stolen and unrecoverable.
Consider your individual needs
Any aspects or behaviors that may be considered “risky” have the potential to affect insurance premiums. Some common high-risk insurance factors may include adding a teen driver to your policy or insuring someone with driving violations, such as a ticket or DUI. Each factor is weighed differently depending on the provider, but if any high-risk scenarios impact you, it may be a good idea to explore insurers that are known to provide coverage for these driving profiles.
For example, some insurers excel in their student discount offerings, while others may raise premiums for violations at a lower rate or have options like accident forgiveness. It may help to be aware of your driving record when comparing car insurance quotes.