Car Insurance Rock Hill South Carolina
Finding the Best Insurance Rates in Rock Hill SC
Are You Overpaying?
Are you looking for cheap car insurance in Rock Hill South Carolina? Or are looking for the right car insurance coverage to protect you and your family? Do you want to speak with a live agent? Call us! Insureds frequently overlook some critical limits on their homeowner’s policies. Limits represent the dollar amounts the insurance companies will pay out in the event of a covered loss. They are also one of the most significant factors when determining your insurance premium. What to know about Rock Hill SC.
Free Home Insurance Quotes
Dwelling coverage is what protects the structure of your home. The problem is that many people confuse this amount with market value or tax value and it is neither of those amounts. Insurers are only concerned with the cost to rebuild your home today with similar materials and construction methods in the event of a total loss. In the insurance world, this is known as replacement cost. The problem is that many insured only insure their home for what the lender wants them to, which is usually the loan amount, often leaving homeowners grossly under-insured.
Most homeowners policies cover your contents. All the things that would fall out if you were to flip your house over and shake. Typically this limit is 40% of your dwelling coverage amount. So if your dwelling amount was $125,000, you would have $50,000 in contents coverage. But is this enough? When you start going room by room and adding up furniture, appliances, clothing, jewelry, etc., this amount will get eaten up pretty quickly. You may want to consider raising the limits or scheduling items like watches and jewelry separately.
Too Little Personal Liability
Most people probably don’t realize they even have Personal Liability coverage or what it represents. Personal liability insurance is the amount of protection that would kick in if you own a dog and the bite someone or if you have a pool and someone drowns. Generally, you can purchase this coverage in limits from $100k to $500k. If you are someone who entertains quite frequently or owns dogs, you definitely what to make sure you have adequate limits and may want to consider a personal umbrella policy as well.
Auto Insurance for Rock Hill, SC Residents
Just as with homeowners, some essential coverages get short-changed when it comes to car insurance for Rock Hill SC drivers. Also the rest of South Carolina.
Sufficient Liability Limits: You know that you must maintain state minimum liability limits to drive a car in South Carolina. But did you know that those limits aren’t always enough? South Carolina requires you to carry at least $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. Those limits can be exhausted quickly into medical care and rehab care, plus many cars cost way more than $25,000 these days. Once you hit those limits, you are responsible for the rest out of pocket. Consider raising them to $100,000, $300,000, $50,000 to give you adequate coverage.
Maintaining Uninsured Motorist Coverage: Many people overlook this coverage and opt to purchase the minimum liability required. However, uninsured motorist insurance pays for the damages/losses and injuries that you suffer if you are in an accident caused by a driver who does not carry insurance. Instead of paying for it yourself while you fight it out in court hoping to be reimbursed, your insurance policy would cover it under the uninsured motorist coverage. You can learn more about uninsured motorist here.
Tips to Get the Best Deal
Keep Up On Maintenance
Protect Your Vehicle from the Elements
Get Regular Tune Ups
Commonly Overlooked Auto & Home Insurance Coverages
Everyone knows they should carry auto and home insurance in Rock Hill SC, but often they overlook essential coverage or miss coverage gaps.
Here are some important things to consider when shopping for insurance online.
Taking Advantage of Discounts Offered: Not a coverage, but just as important is making sure that you are receiving all the discounts possible. Many companies have a list of discounts that you could qualify for, be sure you ask upfront so that you can take advantage of the savings. See what other factors go into your rates here.
Now’s the perfect time to start the online quoting process for your home or auto insurance. We can also help you find the best motorcycle insurance in Rock Hill, call us today!
Thinking Of Getting Life Insurance?For some reason, life insurance often gets overlooked. For whatever and some very personal reasons people just don't feel as if they need it. Sure, it is a reminder of our mortality, but it also makes our loved ones are provided for...
Purchasing Auto InsurancePurchasing auto insurance can feel overwhelming with all the different companies and auto insurance options available to you, it is hard to know where to start. With our personal auto insurance buyers guide we will teach you the basics of auto...
Whats After A DUI?You never thought it could happen to you, no one does. You think to yourself, how did one little happy hour celebration land you into the mess you are in now? What’s going to happen next? The truth is, DUI's happen to many people, doesn't make them...
What To Do If You Are Overpaying For Insurance Identify the problem or likely Problems. I will list the top 10 reasons your insurance is overpriced and what to do about it. You can likely identify which of these or combination of these are the culprit. However, if...
The 32 Factors How Much will you pay for Auto Insurance? Demographic information: 1) Name of the primary insured: This information is used in determining the insurance score/ AKA your credit. 2) Driving record: Statistically more tickets equals more claims paid...
- What Should You Do After Getting Into a Car Accident? - January 6, 2021
- Avoid Careless Driving Habits and Your Insurance Will Reward You - December 30, 2020
- Helpful Tips for New Homeowners to Prepare for Natural Disasters - December 16, 2020