- Can You Buy Auto Insurance Over the Phone? Easy Steps to Get Covered
- Auto Insurance Spartanburg Rating Factors
- Insurance Spartanburg Credit Rating Factors
- What Are The Liability Insurance Requirements For Insurance in Spartanburg?
- Company Ratings AM Best And JD Power : Insurance Spartanburg
- Minimum Insurance Spartanburg Requirements
- Insurance Spartanburg: Are You Paying Too Much?
- Affordable Home Insurance For Spartanburg, SC Homeowners
- Auto Insurance for Insurance Spartanburg, South Carolina Drivers
- Tips for Lowering Your Home and Auto Insurance Spartanburg Rates
- Best Home and Auto Insurance Policies for New Homeowners
- Frequently Asked Questions about Insurance Spartanburg
- What types of insurance does A Plus Insurance offer in Spartanburg?
- How can A Plus Insurance help me save on insurance premiums in Spartanburg?
- Can I call A Plus Insurance at 1.888.445.2793 for more information about insurance in Spartanburg?
- What We Do at A Plus Insurance
Can You Buy Auto Insurance Over the Phone? Easy Steps to Get Covered
Yes, you can easily buy auto insurance over the phone by contacting an insurance broker. With a quick call, you’ll receive multiple insurance quotes from different carriers, allowing you to compare options and purchase the policy that best fits your needs—all without leaving your home.
Auto Insurance Spartanburg Rating Factors
What all goes into calculating my premium? There are several ‘rating factors’ insurance companies use to determine the risk, and the premium. Factors that have a bigger impact on your rate, is your age, gender, driving history (violations) and your zip code. Small rating factors include, credit history, comprehensive claims, and annual mileage. Look at the chart below to see the various factors and the rate impact.
| Factor | Rate Impact |
|---|---|
| Claims History | Medium |
| Driving Record | High |
| Anti Theft Device | Low |
| Vehicle Make and Model | Medium |
| Annual Mileage | Low |
| Insurance History | Medium |
| Color of Car | none |
| Age | High |
| How Long Have You Owned the Vehicle | Low |
| Vehicle Performance (Symbol) | Medium |
Insurance Spartanburg Credit Rating Factors
Unless you are a motorist that lives in Hawaii, California or Massachusetts then your credit score will affect your auto insurance rates. A study done in Texas showed that 175,647 people found that an insured’s lower credit score the higher the probability of the insured incurring losses on an auto insurance policy, and the higher risk of loss on the policy. It’s also good to know that auto insurance companies don’t use traditional credit scores. They take your score and use it in their own model.
| Credit Impact on Insurance Rates In Spartanburg Average Premium by Score | Price |
|---|---|
| Excellent | $135.42 |
| Good | $152.60 |
| Average | $183.73 |
| Poor | $259.86 |
What Are The Liability Insurance Requirements For Insurance in Spartanburg?
If you are a motorist in Spartanburg, SC then you are required to have 25/25/50 on all registered vehicles. $25,000 for property damage for each accident, for bodily injury $25,000 per person and $50,000 for each accident, uninsured motorist bodily injury is $25,000 and $50,000 per accident and for uninsured motorist property damage is $25,000 per accident and a $200 deductible is required. South Carolina requires that you have liability and uninsured motorist if you want to legally drive.
| State | Minimum Coverage Requirements | Average Cost for Minimum Liability Coverage |
|---|---|---|
| South Carolina | 25/50/25 | $537 |
Company Ratings AM Best And JD Power : Insurance Spartanburg
Like all companies out there, customer service and ratings are a big deal. When choosing an insurance company to do business with, you are more than likely going to check out their ratings and how well they are rated by others. Below, is a list of carriers and their ratings in Spartanburg, SC.
| COMPANY | J.D. POWER CLAIMS | A.M. BEST RATING |
|---|---|---|
| State Farm | 878 | A++ |
| Mercury | 837 | A |
| Farmers Insurance | 865 | A |
| Nationwide | 867 | A+ |
| The Hartford (AARP insurance) | 873 | A+ |
| Liberty Mutual Insurance | 857 | A |
| Allstate Auto Insurance | 853 | A+ |
| Progressive Auto Insurance | 856 | A+ |
| COUNTRY Financial | 896 | A+ |
| Esurance | 844 | A+ |
| NJM Insurance Co. | A+ | |
| MetLife | 867 | A+ |
| Auto-Owners Insurance | 870 | A+ |
Minimum Insurance Spartanburg Requirements
South Carolina requires motorist to have at least the state minimum liability limits of $25,000 per person up to $50,000 per accident for bodily injury protection and up to $25,000 for property damage. In addition to the liability, it is also mandatory that uninsured motorist protection is also carried on the insurance policy.
Insurance Spartanburg: Are You Paying Too Much?
Moving to Spartanburg SC? Are you buying a new house or your first car? Not sure where to start looking for insurance or what you need? We can help. Don’t worry, while it could seem like a cumbersome task, getting auto & home insurance in Spartanburg is as easy as a click of the mouse. But before you start that online quote, here are few basics to keep in mind when it comes to purchasing home and auto insurance.
Affordable Home Insurance For Spartanburg, SC Homeowners
Many people often think of homeowners insurance as a home warranty. They believe that it covers anything and everything that goes wrong in your house. However, that’s not the case. For example, a home warranty may provide coverage if your air conditioner malfunctions, on the flip side an insurance policy may cover a loss if it stops working due to damage from a lightning strike or theft. Think of insurance for the big stuff, a new roof, a blown down fence, fire damage. That’s the type of losses insurance will cover.
There are basic coverage’s that all homeowner insurance companies will cover. The name of the policy or product may be different based on the company, but what they include coverage for are virtually the same.
The basic homeowner’s policy known as an HO-1 will cover the structure and depending on the policy it may cover your belongings from the following perils or cause of loss:
If you want a bit more than the basic coverage than HO-1 provided, then HO-2 will protect your home and belongings from these added perils:
- Falling objects
- The weight of ice, snow, or sleet
- Freezing of household systems like AC or heating
- The sudden and accidental tearing apart, cracking, burning, or bulging of pipes and other household systems
- Overflow or accidental discharge or overflow of water or steam
- The sudden and accidental damage from artificially generated electrical current
- Fire or smoke
- Explosions
- Lightning
- Hail and windstorms
- Vandalism
- Theft
- Riots and civil commotion
- Damage from vehicles
- Damage from aircraft
- Volcanic eruption
If you live in Spartanburg, you know the roads are unbelievable!
From the immense growth that Spartanburg county has seen and the fact that road construction cannot keep up, Drivers are facing several challenges each and every time they turn the wheel.
Statically speaking, the average driver spends about 22.6 minutes in their car/truck. That means having the right insurance coverage emphasizes everything in the world for vehicle owners. To Think, you could absolutely be paying unbelievably high rates and not even know it. Yet worse, you may spending money on high rates and not even have the appropriate coverage for you and you’re family. Scary right?
In fact, most people don’t even know what type of insurance coverage’s they have! Having the right information in front of you can be cannot only make the difference in you r wallet but also making sure you and you’re family have the right protection.
Here at A Plus Insurance the sale of insurance is second to our desire to inform you on the best routes for insurance. That may not always mean us…but we hope it does!
Auto Insurance for Insurance Spartanburg, South Carolina Drivers
If you are a new resident or a new driver looking for car insurance Spartanburg, the first thing you need to be aware of is what the state requires. Also Includes Rock Hill.
In South Carolina, it is required that you maintain the minimum liability coverage:$25,000 for bodily injury or death per person, $50,000 total for bodily injury or death per accident and $25,000 for property damage. These are relatively low limits, so it’s important to note that if you cause damage above your listed policy limits, you may have to pay for the overage out of pocket. Some other coverage’s you can add to your auto insurance Spartanburg include:
Collision coverage: Pays for accident-related damages to your car.
Comprehensive coverage: Provides coverage for damage to your car caused by external factors like weather, theft, or wildlife.
Medical payments coverage: Provides coverage for any medical expenses if they exceed the limits of other coverage.
Rental reimbursement coverage: Provides coverage a rental car if you need one after an accident.
Towing and labor coverage: Provides coverage for towing and some repair costs.
Tips for Lowering Your Home and Auto Insurance Spartanburg Rates
We are The experts!
- Bundle Home, Auto or even Motorcycle Insurance, companies often give big discounts for putting more than one policy with them.
- Pay your bills on time. Your credit rating can affect your home and auto insurance rates.
- Shop around. We make it simple for you to get multiple rates from one online quote.
- Consider higher deductibles. High deductibles can reduce your monthly premiums.
- Be sure to ask if there are any other discounts you may qualify for or that the carrier has may have.
A Plus Insurance is dedicated to serving you and our Spartanburg community.
As an Insurance broker we value the time we spend with you, getting to know you and your family, so we can tailor fit insurance coverage’s for your family needs. After all we drive the same roads as you do so we know getting the right insurance quotes is the upmost importance.
We work with multiple carriers such as Progressive, Travelers, The General, Dairyland and more. We take pride in educating you and our neighbors to make best decision as regards to purchasing Auto, Motorcycle, Home, and Boat. We have been serving the community for 20 years and we are excited for the years to come.
Call anyone of our agent to get your insurance Spartanburg quote today. We will be happy to see if A plus Insurance can fit you and your family like a glove.
There are even more robust policies out there like the most common type of homeowners policy an HO-3, or the H0-5 that will provide the above coverage’s plus some extras. Of course we have you covered across the state of South Carolina!
While the state doesn’t require homeowners insurance, most lenders will request that you carry as a loan requirement, and even if you don’t have a lender, you should consider carrying a homeowners policy to protect your investment in the event of a catastrophic loss.
Best Home and Auto Insurance Policies for New Homeowners
- Progressive Home & Auto Bundle: Offering a multi-policy discount for combining both homeowners insurance and auto insurance, Progressive provides robust coverage for new homeowners. Enjoy savings on your premiums and comprehensive coverage for your home and vehicle. Call us now to learn more.
- Dairyland Full Coverage Auto with Home Protection: Dairyland offers new homeowners affordable auto insurance with the option to add affordable home insurance. Get peace of mind with customizable coverage and reliable protection for both your vehicle and property. Text Us for policy details.
- National General Homeowners and Auto Insurance: With tailored coverage for new homeowners, National General provides generous discounts when bundling home and auto insurance. This policy includes protection against property damage, liability coverage, and comprehensive vehicle protection. Call today for a personalized quote.
- The General Home & Auto Insurance for First-Time Buyers: Ideal for first-time homeowners, The General offers affordable policies with flexible payment options. Their bundle offers comprehensive homeowners insurance and full coverage auto insurance at competitive rates. Text Us to check eligibility.
- AssuranceAmerica Home & Vehicle Protection: AssuranceAmerica offers competitive pricing and personalized options for new homeowners. Benefit from full protection on both your home and vehicle with discounts available for combining policies. Call us now for a free quote.
- Bristol West Auto Insurance with Home Coverage Options: Bristol West offers comprehensive auto insurance plans tailored for new homeowners, with the option to include homeowners insurance at discounted rates. Protect your new investment and enjoy additional savings by bundling. Text Us to explore your options.
- Suncoast Homeowners and Auto Insurance Bundle: Suncoast provides coverage specifically designed for new homeowners. Save with a bundle that includes auto insurance and home coverage, ensuring protection for both your property and vehicles. Call today for more information.
Frequently Asked Questions about Insurance Spartanburg
What types of insurance does A Plus Insurance offer in Spartanburg?
A Plus Insurance offers a variety of insurance options in Spartanburg, including auto, home, renters, and life insurance. We shop multiple carriers to find the best rates tailored to your specific needs.
How can A Plus Insurance help me save on insurance premiums in Spartanburg?
A Plus Insurance can help you save on insurance premiums in Spartanburg by leveraging our relationships with multiple carriers. We compare rates to find you the most affordable coverage without compromising on protection.
Can I call A Plus Insurance at 1.888.445.2793 for more information about insurance in Spartanburg?
Certainly! For more information about insurance in Spartanburg or to get a personalized quote, feel free to call us at 1.888.445.2793.
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A Plus Insurance
What We Do at A Plus Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
Company Info: The following address is mailing only.
A Plus Insurance Spartanburg
250 S Church St #24
Spartanburg, SC. 29304
Phone: 864-318-9060
Last Updated on by Marlon Moss