Beautiful beaches, world class golf, and beautiful resorts-it's no wonder South Carolina is one of the top vacation destinations in the country. Residents of Charleston have the luxury of living in a year-round vacation spot that also boasts an affordable cost of living.
Charleston insurance is also affordable, with average rates well below the national average when it comes to auto insurance. And if you live in a city like Charleston with so much to do, you probably spend a lot of time in your car.
Charleston Insurance Requirements
In South Carolina, insurance requirements can get a little confusing. Here are some of the basics you need to be aware of when getting your Charleston insurance quotes:
- Liability is required. This type of insurance is used to cover the medical expenses and property damage of the victim in the event you cause an accident. Because South Carolina is not a no-fault state, if you cause an accident and don't have liability insurance and get sued, you will be held liable for the other party's medical and car repair costs. State minimums are 25/50/25: $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage.
- Uninsured motorist coverage is required. This type of insurance will protect drivers who are victims of a hit and run or who are in an accident caused by an uninsured motorist.
Making Sure You Have Adequate Coverage
If you meet minimum requirements, there is still a chance you might not be adequately covered, especially if you cause a serious accident. In order to make sure you are covered completely when it comes to auto insurance, the following insurance is recommended as you look for Charleston insurance quotes:
- Comprehensive coverage. State minimums only cover the other party. Comprehensive coverage takes care of you and your car in the event of an accident. You will have to pay a deductible, and after that, insurance will foot the bill of repairs.
- Increase Your Liability. Medical bills can skyrocket in a serious accident, especially if it involves multiple people. Recommended minimums include $100,000 per person and $300,000 per accident. This will also cover any litigation you may face.
Finding the Best Charleston Insurance Rates
Insuring your vehicle, even with increased minimums, doesn't need to cost you an arm and a leg. There are many discounts available, from good student discounts to multiple policy discounts, that can help save you money.
Shopping around for the best rates is important, because insurance companies vary widely in costs. This is easy with NetQuote.com. You can research insurance, then get Charleston insurance quotes in your area for free. This way, you know you are getting the most for your money.