Auto insurance is a legal requirement in Greenville, South Carolina. Drivers in the state must carry liability and uninsured motorist coverage with certain limits. The minimum coverage required for auto insurance in Greenville, SC, is $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident. This coverage will help pay for vehicle damages that you cause or damages that happen to your car.
In addition to the basic coverage, you may also wish to consider collision and comprehensive coverages. Collision coverage pays for physical damage to your car when it collides with an object such as a tree or another car. Comprehensive coverage pays for damage to your car from other causes, including fire, severe weather, vandalism, floods, and theft. It also covers broken glass and windshield damage. These two types of coverage are not legally required but may be beneficial if you want more protection.
Your driving record, area in which you live, gender and age, marital status, prior insurance coverage, vehicle use, and make and model of your vehicle can all impact the price you will pay for your auto insurance. Make sure to ask your agent about discounts, such as multiple vehicles, driver education courses, good student, safety devices, anti-theft devices, low mileage, good driver/renewal, auto/home package, and dividends.
Once you have selected the insurance coverages you need and an insurance agent or company, there are steps you can take to make sure you get your money’s worth. Before signing an application for any insurance coverage, verify that the company and the agent are licensed to do business in South Carolina. Additionally, be sure to read your policy carefully and ask any questions if something is unclear. Remember to shop around to get the best price and service.
For more information on auto insurance and other topics, visit the SCDOI's website. You can also compare price estimates from insurance companies that sell auto and homeowners insurance in South Carolina using the SCDOI's tool. And if you feel your claim is not being handled correctly, you may contact the SCDOI by filing a complaint or calling 803-737-6180 to speak with an Insurance Regulatory Analyst.