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Home > Auto Insurance - Florence, Myrtle Beach, Columbia, SC

Auto Insurance


Auto Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Auto Quote Form

Auto Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Add Driver to Existing Auto Policy
Add Vehicle to Existing Auto Policy
Auto Accident Claim
Remove Driver from Existing Auto Policy
Remove Vehicle from Existing Auto Policy
Request ID Card for Auto Policy

Auto Insurance Information

How is auto insurance defined?
Auto insurance is an agreement between the consumer and the insurance company that gives you protection against financial loss when you have an accident. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

Auto insurance property, liability and medical coverage:

  • Property coverage can or may pay for damage to or theft of your car.
  • Liability coverage can or may pay for your legal responsibility to others for bodily injury or property damage.
  • Medical coverage can or may pay for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.

Most auto policies are for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.

Why do you need auto insurance?
It's really all about protecting yourself financially.

  • If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.
  • If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.
  • Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.

Questions to ask your agent
our independent Agent is an advocate for helping you find auto insurance that you feel meets your specific needs. Here are a few things to consider as you prepare for the discussion:

  • How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
  • What is the insurance company's level of service and ability to pay claims?
  • What discounts are available? (Ask about good driver, multiple policy and student discounts.)
  • What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)

Additional Resources:

  • How to File a Claim for Damage to Your Car's Hood from Falling Objects
  • Thinking About A Sports Car – How to Keep Insurance Costs Down
  • Does Auto Insurance Cover Damage from a Rollover?
  • Is Your Car Getting Older? You May Want to Reduce Coverage
  • Auto Insurance and Vandalism: When Are You Covered?
  • More auto insurance related articles

 

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2420 Hoffmeyer Rd, Suite D | Florence, SC 29501
| Ph: 843-519-255
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