Spartanburg South Carolina Auto & Home Insurance
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- Spartanburg South Carolina Auto & Home Insurance
- Can I Purchase Auto Insurance Over The Phone?
- Auto Insurance Rating Factors In Spartanburg
- Your Credit And How It Affects Your Auto Insurance Premiums
- What Are The Liability Insurance Requirements For Spartanburg?
- Company Ratings AM Best And JD Power
- What Is The Minimum Insurance Coverage I Need In South Carolina?
- Are You Paying Too Much For Car Insurance in Spartanburg, SC?
- Affordable Home Insurance For Spartanburg, SC Homeowners
- Auto Insurance for Spartanburg, South Carolina Drivers
- Tips for Lowering Your Home and Auto Insurance Rates
FIND THE CHEAPEST RATES IN SPARTANBURG FOR YOUR AUTO & HOME INSURANCE
Can I Purchase Auto Insurance Over The Phone?
Yes. With a simple phone call to an insurance broker, you can get multiple quotes with different carriers and also purchase the insurance policy directly over the phone.
Auto Insurance Rating Factors In Spartanburg
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.
|anti theft device||Low|
|Vehicle Make and Model||Medium|
|Color of car||none|
|How long have you owned the vehicle||Low|
|vehicle performance (symbol)||Medium|
Your Credit And How It Affects Your Auto Insurance Premiums
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
What Are The Liability Insurance Requirements For 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|
Company Ratings AM Best And JD Power
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|
|The Hartford (AARP insurance)||873||A+|
|Liberty Mutual Insurance||857||A|
|Allstate Auto Insurance||853||A+|
|Progressive Auto Insurance||856||A+|
|NJM Insurance Co.||A+|
What Is The Minimum Insurance Coverage I Need In South Carolina?
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.
Are You Paying Too Much For Car Insurance in Spartanburg, SC?
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
- Hail and windstorms
- 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.
Auto Insurance for Spartanburg, South Carolina Drivers
If you are a new resident or a new driver looking for car insurance in 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 in 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 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 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.
Last Updated on July 3, 2021 by Shawn Christie