Columbia SC Insurance

State minimums are 25,000 per person bodily injury, 50,000 per accident bodily injury, and 25,000 property damage, plus uninsured motorist in the same limits… many drivers choose higher limits for better protection.

Lenders usually require collision and comprehensive until the loan is paid off… deductibles can be adjusted to balance price and protection.

Multi policy, multi car, safe driver, homeowner, telematics snapshot, paperless, and paid in full are common… we stack what you qualify for to lower your rate.

Yes, several carriers offer rideshare endorsements that cover the app on phase before a passenger is in the car… we will match you to a carrier that supports rideshare.

Instant ID cards are available by email or text once your policy is bound… many carriers have mobile apps for quick access.

Yes, ZIP code factors in with garaging address, claims trends, and vehicle type… we quote multiple carriers to offset local differences.

For late model vehicles, OEM parts endorsements can help preserve value… cost varies by carrier and model.

Use our quick guide to compare coverages, deductibles, and discounts in one place on Auto Insurance Comparison.

SR22 is a financial responsibility filing your insurer sends to the state to show you carry active liability coverage… it is not a type of policy, it is a filing added to your policy.

Most cases require three years from the compliance date… stay continuous to avoid clock resets.

Yes, a non owner policy can file SR22 while you borrow or rent cars occasionally… it excludes household vehicles you have regular access to.

We often quote Progressive, Dairyland, and Bristol West for SR22 filings… availability varies by driving record.

There is a small filing fee and the underlying violation affects price… shopping multiple carriers helps control cost.

See our guide to state filings on SR22 Insurance South Carolina for timelines and tips.

Yes, we time the switch to avoid a lapse and file the new SR22 immediately… we coordinate cancellations after the new proof is on file.

Year built, roof age, square footage, updates, foundation type, and security features… a prior declarations page helps us match coverages.

Many carriers use a separate wind hail deductible that can be a flat amount or a percent of Coverage A… we will explain choices in plain language.

Yes, bundling often unlocks multi policy discounts and preferred tiers… it can also simplify billing on one account.

Yes for many homes, especially with basements or older lines… limits and deductibles vary by carrier.

Yes, specialized dwelling or endorsement options may be needed… we will place you with a carrier that allows short term rental use.

Review our plain language guide at Homeowners Insurance Coverage Explained.

Yes, renters protects your belongings and provides liability… many landlords require proof before move in.

A Business Owners Policy combines general liability with property coverage… great for shops, offices, and many contractors.

Yes, certificates are usually issued the same business day… rush requests are available for bid deadlines.

Yes, we write light trucks, vans, and trailers… filings available when required by the state or a vendor.

Our South Carolina insurance page shows broader carriers and products… we narrow to the best fit for your operation.

Yes, inland marine covers gear in transit or on job sites… limits scale with your inventory and theft exposure.

Most carriers support 24/7 payments by app or phone… we can text you your carrier link if needed.

Make sure everyone is safe, gather photos and witness details, and contact us or the carrier to open the claim… we will help you through repairs.

Yes, autopay or paid in full can lower fees and help keep discounts active… we can set this up in minutes.

Not all claims impact price… severity, fault, and claim type matter… we will review options at renewal and shop if needed.

Yes, our Columbia team helps drivers and homeowners across the metro area… quotes by phone or online are easy.

Yes, we can line up a new start date and help you cancel the old policy with no gap… timing matters to keep continuous coverage.

Browse our statewide overview on South Carolina insurance and topic guides like homeowners coverage explained.

Yes, we handle policy rewrites, South Carolina registrations, and proof of insurance for the DMV… we make the move smooth.