Auto Insurance
Auto insurance isn't one-size-fits-all. We compare rates and coverage across multiple carriers to find what actually fits your vehicles, your driving habits, and your budget — not just whatever's cheapest on paper.
What's Included in Auto Coverage
Most drivers know they need car insurance — but not everyone knows what each part actually covers. Here's a plain-language breakdown.
Liability Coverage
Required in South Carolina. Covers injuries and property damage you cause to others in an accident. We make sure you have enough — not just the state minimum.
Collision Coverage
Pays to repair or replace your vehicle after an accident, regardless of who's at fault. Important if your car is newer or you couldn't easily replace it out of pocket.
Comprehensive Coverage
Covers damage to your vehicle from non-collision events — theft, vandalism, hail, flooding, hitting an animal. Often required if you're financing your vehicle.
Uninsured / Underinsured Motorist
Protects you if you're hit by a driver who has no insurance or not enough. More common than you'd think — and often inexpensive to add.
Medical Payments (MedPay)
Covers medical expenses for you and your passengers after an accident, regardless of fault. A straightforward add-on that can prevent big out-of-pocket bills.
Roadside Assistance & Rental
Optional add-ons that cover towing, battery jumps, and a rental car if yours is in the shop. Small cost, big peace of mind.
South Carolina Minimum Requirements
SC requires all drivers to carry at least:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $25,000 property damage per accident
- Uninsured motorist coverage (matching your liability limits)
Minimum coverage is a legal floor, not a recommendation. In a serious accident, minimums can leave you personally responsible for costs that exceed your policy limits. We help you find the right balance of protection and affordability.
Factors That Affect Your Rate
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