Car Insurance Rock Hill South Carolina

Let A Plus Insurance find you the best auto insurance rates in Rock Hill, SC!

Insurance Rock Hill: How Violations Affect Your Auto Rates

Insurance Rock Hill

Did you know that most violations stay on your driving record for 3-5 years?

Most commonly, speeding tickets will stay on for 3 years and At Fault Accidents will stay on your record for 5 years.

When you get a ticket, or accident your insurance rates go up, and you may lose discounts that you were receiving prior to the violation.

Some companies offer ‘Accident Free’ and ‘Safe Driving’ discounts, that no longer apply once you have a violation.

Look below for the Violation types and the amount of time they stay with you.

Violation NameMajor, Minor, or Non MovingHow Long it Will Affect Your Insurance Rates
Failure to Secure Load to truck/trailerMinor3 Years
Failure to Use Turn SignalMinor3 Years
Driving without a LicenseMajor3 Years
Failure to Stop for a Pedestrian Side walkMinor3 Years
DUIMajor10 Years
ParkingNon MovingNA*
No Proof of insuranceNon MovingNA*
Crossing over a Center DividerMinor3 Years
Failure to YieldMinor3 Years
Reckless DrivingMajor5 Years
Using a Cell Phone with DrivingMinor3 Years
Failure to maintain Clear Distance (tailgatingMinor3 Years
Insurance Rock Hill

Insurance Rock Hill : How weather impacts your rates

If you are like most people, you want to be sure that you’re safe whenever you get behind the wheel of your vehicle to go for a drive.

However, even the safest driver can get into an accident, particularly when weather conditions rapidly deteriorate.

One of the most dangerous weather conditions you can encounter while driving your car is low visibility. When visibility drops, it can make it difficult for you to see other vehicles and vice versa. Obviously, this will greatly increase your chances of a serious wreck. Fortunately, there are a few things that you can do to prepare for low visibility and to react to this adverse driving condition.

Last but not least, don’t drink and drive. Use a designated driver!

Rock Hill, South Carolina
Summer High: the July high is around 93 degrees
Winter Low: the January low is 30
Rain: averages 44 inches of rain a year
Snow: averages 3 inches of snow a year
Insurance Rock Hill Weather at a Glance

Insurance Rock Hill : Nearby Cities And Neighborhoods

Many people do not know that their own zip code is a big part in determining their insurance rates.

Rock Hill, South Carolina is a relatively small city. It is located near bigger cities such as Charlotte, NC, and Gaffney SC. Rock Hill has beautiful neighbors such as Pineridge, Pecan Grove, Sunset Acres, and Avondale Terrace.

Insurance Rock Hill2
A helpful tip: When considering moving to another city and trying to gauge the cost of insurance….check how populated that particular city is. See the data below to check out those zip codes in Rock Hill.
Neighborhoods in Rock Hill, South CarolinaCities Near Rock HillZip Codes in Rock Hill
PineridgeLancaster, SC29730
Avondale TerraceCharlotte, NC29732
Pecan GroveGastonia, NC29733
Insurance Rock Hill

Your Credit And How It Impacts Your Auto Rates for insurance rock hill

Along with the other many factors that affect your auto insurance, your credit is a main factor. The insurance carrier is going to want to see if you will be a reliable client or a high risk one, and they can tell that based off your score.

Insurance Agents Will Often run a credit report when generating your estimate…if your score isn’t good…it could have a big impact!

Insurance Rock Hill3 2

If you look below we made a chart of premiums by credit score in for Insurance Rock Hill, SC.

Credit Score Average Monthly Rate
Insurance Rock Hill

Insurance Rock Hill: Calculator…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!

You can also use our insurance calculator below to get a good idea of what your rates could be:

Insurance Cost Estimator

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 Insurance Rock Hill SC.

What to Know About Homeowners Insurance Rock Hill

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.

Insurance Rock Hill: Do You Have Enough Personal Liability Coverage?

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 dog bit 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 Rock Hill, SC: Understanding the State Requirements

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 Auto Insurance Deal

  1. Drive Safe
  2. Keep Up On Maintenance
  3. Protect Your Vehicle from the Elements
  4. Bundle Coverage
  5. Get Regular Tune Ups

Commonly Overlooked Auto & Home Insurance Rock Hill 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:

  • Take Advantage of Discounts Offered: It is important to make 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.
  • Don’t Settle for the first quote given: 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 at 803-306-8030!

Insurance Rock Hill: Frequently Asked Questions

Who has cheap auto insurance rates for a young driver in Rock Hill SC?

For young drivers we have seen decent rates from Progressive, Dairyland, and Acceptance insurance. Call for a quote today 8884452793

Do I need insurance to get my drivers license in South Carolina?

Yes, when you apply for a new or go to renew your South Carolina driver’s license you must provide proof that you are insured under an automobile liability policy.

Am I required to keep proof of insurance in my vehicle in Rock Hill South Carolina?

It is a good idea to keep your current insurance proof in your vehicle. If you are stopped by law enforcement and are unable to provide current proof of insurance, you will have 30 days to provide proof that the vehicle was currently insured to avoid having your drivers license suspended.

Additional South Carolina Insurance
Insurance South Carolina
Belton, SC Auto Insurance
SR22 South Carolina Insurance
Elgin, SC Car Insurance
Simpsonville, SC Homeowners
South Carolina Homeowner’s Insurance
Insurance Rock Hill

Edit Article Information

Here you can edit the information about Insurance Rockhill.

  • Insurance Rockhill offers a variety of insurance options to meet your needs.
  • We provide coverage for both auto and home insurance.
  • For more information or to get a quote, call us at 1.888.445.2793.

Last Updated on by Lauren Mckenzie

Spread the love
Scroll to Top