AUTO INSURANCE

CIIG wants you to be protected with the right auto insurance coverage.

Auto Insurance Rock Hill, SC

CIIG wants you to be protected with the right auto insurance coverage. With a large team of dedicated advisors who have a clear understanding of how insurance works in South Carolina, CIIG can handle all of your auto insurance needs and answer all of your questions. We focus on empowering our customers. We want you to understand how auto insurance works so you can always make an educated decision. 

 

Call us today to see how we can help you get cheap auto insurance in Rock Hill, SC, that will also provide you with the coverage you need to stay safe. 

What is Car Insurance?

Even the safest drivers are at risk of getting into an accident or dealing with theft. That’s why car insurance is so important. Car insurance protects you from financial loss when you get into an accident or encounter a break-in, whether or not you are at fault. 

South Carolina mandates that all drivers have minimum auto insurance coverage to be able to drive legally. So, in addition to being covered financially, you’ll also be lawfully covered when you get an auto insurance policy for your vehicle.

In South Carolina, the minimum liability car insurance limits are::

$25,000 for

property damage

$25,000 for

bodily injury or death per person

$50,000 total for bodily injury or death per accident

What Different Kinds of Car are Insurance Available? 

There are a few different types of car insurance that you can buy. In South Carolina, motorists are required to have limited liability and uninsured motorist coverage. Your auto insurance broker can help you determine which other types you may need depending on your situation.

Most states require motorists to carry liability coverage, which has two components. Property damage liability can help pay for damage that a motorist causes to another person’s personal property while driving. Bodily injury liability can help cover costs related to injuries another person receives as the result of an accident that you cause.

LIABILITY

COVERAGE

Required by most states, including South Carolina, uninsured motorist coverage can help pay for damages and injuries that are caused by another driver who does not have insurance.

UNINSURED AND UNDERINSURED

MOTORIST COVERAGE

While not required by the state of South Carolina, comprehensive coverage may be required by your lender if you are paying off or leasing your vehicle. It can cover damage to your car that results from covered perils, which can include things like weather, theft, fire, or vandalism. This type of insurance coverage comes with a deductible, which is how much you will pay out of pocket before you can receive reimbursement from your insurer for a covered claim.

COMPREHENSIVE COVERAGE

Your lender may also require collision coverage, which can help pay for your car’s repair or replacement if you are involved in an accident with another moving vehicle or if you hit an object (such as a fence). 

COLLISION COVERAGE

This coverage can help pay for medical bills related to injuries that you, your passengers, or your family members who are driving your insured vehicle receive as the result of being in an accident. Coverage can include paying for X-rays, hospital visits, surgery, and more.

MEDICAL PAYMENTS COVERAGE

Auto Insurance FAQ

What factors can impact my car insurance rates?

There are a lot of factors that determine how much you’ll pay for auto insurance. These include your ZIP code, your vehicle, your age, your gender, your driving record, and your marital status. These factors may seem arbitrary, but they are all used to calculate your auto insurance coverage. 

Why does my location matter when determining my rate?

Some of the specific factors that go into account when determining your rate based on your location include weather patterns, traffic and congestion on the roads, the likelihood of car vandalism, and the rate of vehicle theft in the area. That’s why you may have a different rate from a friend who lives in a different city. 

How can I find cheap car insurance in Rock Hill, SC?

We know how important it is to stick to your budget, but keep in mind that the cheapest isn’t always the best. Spending a little more on insurance every month can save you thousands of dollars if you have an accident. Our agents can make sure you get the best coverage possible for your budget. Call CIIG to find the best rates on car insurance in Rock Hill, SC.

GET A FREE QUOTE NOW

Please feel free to reach out with any questions you may have regarding services or for a free quote. Thank you!