How can you save on Auto Insurance?
When it comes to Auto Insurance, your goals are simple: You want to be adequately covered if you get in an accident, but you don’t want to pay more than you have to.
Unfortunately, some people overpay simply because they don’t want to spend time shopping for insurance. And the time to find out you’re not covered properly is before you’re in an accident.
Here are some helpful tips to consider when buying Auto Insurance.
How much coverage do you need?
South Carolina requires minimum coverages of $25,000 per person ($50,000 per accident) for Bodily Injury Liability, and $25,000 of Property Damage liability per accident. These help to pay for damages for injuries to other people or their property if you’re legally at fault following an accident.
Once you know what’s required, you can decide what you need. Your decision will depend on your own degree of comfort in assuming a certain level of risk.
As a general rule, you should get the most liability coverage you can afford. If you don’t have enough insurance to cover damages in an accident, you can bet that the injured party will sue to recover. This means that your personal assets and future earnings are at risk.
Your driving habits might also be a consideration in determining the coverage you need. If your past is filled with crumpled fenders, if you routinely speed, or if you make a long commute on a treacherous winding road every day, then you should get more complete coverage. Optional coverages are available for damage to your vehicle. (See our article on coverages here.)
Check your driving record
You should know how many tickets you have had recently. If you can’t remember how long that speeding ticket has been on your record, check with the Department of Motor Vehicles. If a ticket or points you earned are about to disappear, thus improving your driving record, wait until that happens before you get quotes. Nothing drives up the price of insurance like a bad driving record.
Look for discounts
Make sure you explore all your options related to discounts. Insurance companies give them for such things as a good driving record, your car’s safety or security equipment, and certain occupations or professional affiliations. Also consider using the same insurance company for home and auto policies, which might get you a better price.
The good news? Blackwell Michael Rhodan Insurance is here to help.
As an independent insurance agency, we represent more than 70 insurance companies, so we’re able to find the right coverage that meets your needs and budget.
Get your request a free, no-obligation quote, and let’s see how we can help you today!
To start your quote, call our office or fill out some basic information below. Either way, we’ll make the process simple!
Yes – let’s start my quote today!
The good news? Blackwell Michael Rhodan Insurance is here to help.
As an independent insurance agency, we represent more than 70 insurance companies, so we’re able to find the right coverage that meets your needs and budget.
Get your request a free, no-obligation quote, and let’s see how we can help you today!
To start your quote, call our office or fill out some basic information below. Either way, we’ll make the process simple!
Yes – let’s start my quote today!
The good news? Blackwell Michael Rhodan Insurance is here to help.
As an independent insurance agency, we represent more than 70 insurance companies, so we’re able to find the right coverage that meets your needs and budget.
Get your request a free, no-obligation quote, and let’s see how we can help you today!
To start your quote, call our office or fill out some basic information below. Either way, we’ll make the process simple!
Yes – let’s start my quote today!
The good news? Blackwell Michael Rhodan Insurance is here to help.
As an independent insurance agency, we represent more than 70 insurance companies, so we’re able to find the right coverage that meets your needs and budget.
Get your request a free, no-obligation quote, and let’s see how we can help you today!
To start your quote, call our office or fill out some basic information below. Either way, we’ll make the process simple!
