Looking for Auto Insurance in Lexington, SC and the Columbia, SC areas?
Regardless if you are driving on I-126 to the Riverbanks Zoo or across the Lake Murray Damn, Safe Harbor Insurance Advisors has the best car insurance in Columbia, SC.
Whether you live in Columbia, Lexington, or any other part of South Carolina, when most people think about car insurance, they think about damage to their car. The truth is, car insurance covers much more than just your car.
Given the sheer amount of cars on the road and the distractions drivers deal with every day, the chances of being involved in a car accident are plentiful.
You’re at risk every single time you get into your car.
It’s important to understand what your coverage options are — not just for your car, but for you, and people who may be injured as a result of your negligence.
It only takes a few minutes for our Advisors to review your coverage, run a quote across all 30 of our auto insurance carriers. For most clients the savings is HUNDREDS of dollars a year!
Having adequate Car Insurance limits is serious business
Driving in Columbia, SC, has some dangers. According to the latest SC Collision Statistics there is:
- One traffic collision every 4.3 minutes
- One fatal collision every 9.1 hours
- One injury collision every 16 minutes
- One person killed every 8/2 hours
- One person injured every 11 minutes
- One pedestrian killed every 12 days
If you were ever involved in an accident, and found to be at-fault for someone else’s bodily injuries, you could literally lose everything if you’re not properly insured.
What a lot of people don’t realize is, having great coverage doesn’t necessarily mean having higher insurance premiums.
South Carolina requires you to carry a minimum of $25,000 per person for bodily injury and $50,000 for all persons injured in one accident. Anything above that amount, YOU the driver will have to pay out of pocket. Now just think how fast medical bills can rack up.
Because Safe Harbor Insurance Advisors is 100% independent, we can take your current coverages and compare them with a wide range of insurance providers to see who offers you the best deal possible.
The best part? It doesn’t cost you a penny more to use us. We are compensated by the insurance carriers directly, and work on your behalf to properly cover your needs and exposures, and make sure that there are no hidden gaps in your policy.
No two insurance contracts are the same, and while two policies side-by-side might look the same, the fine print behind the cover page can vary drastically from company to company.
This means you need someone who truly understands policy contracts, like us, to sort through the exclusions and conditions for you, so you can rest easy knowing that you have the best possible coverage at the best price without having to learn legal jargon.
Important Auto Insurance Coverages
When you browse through your policy, you may see certain coverages and wonder exactly what they are, and why they’re on your policy.
Let us clarify a few of the more important ones for you:
This is the part of your policy that covers your car in the event you damage the car itself somehow, as a result of an accident with a fixed or moving object like another car, a curb, a house, a guard rail, etc..
This coverage also protects your car, but in the event that something else damages your car, that is not a fixed, or moving object. For example, theft, a rock that cracks your windshield while you’re driving on the highway, an animal you might hit, and so on.
Suppose you damage someones car in an accident, or a guard rail, house, or some other property that belongs to someone else. This is the part of your policy that compensates the other person for that damage.
Bodily Injury Liability
This coverage protects your financial interest in the event you injure another party in an accident. This is the part of your policy that pays that other party for their medical bills and related expenses. Due to the high cost of medical care, it’s dangerous to carry liability limits that are too low. This is something we can help you decide on.
Un-insured & Under-insured Liability
This coverage pays you, in the event that you are injured by another party, and that other party was either unidentified, or they weren’t carrying a high enough limit of Bodily Injury Liability to cover your expenses. This is also a very important part of your auto policy because you have zero control over how much insurance other people are driving around with.
“Why is my Car Insurance going up?
Be sure to check out our video on “Why is my car insurance going up?” Have you noticed your car or auto insurance premium increasing? Here in Lexington, SC and Columbia, SC areas more and more carriers are increasing auto premiums. Here is a video on what is going on and how you can help keep your premiums lower.
Common Auto Insurance Rating Variables
Age — insurance companies use your age in their overall rating algorithms. Drivers who are under 25, and over 65 typically don’t get preferred rates because statistics show that those two age demographics have the most loss frequency and are therefore more at risk for financial loss due to an auto accident
Credit — credit is a metric that has been used in insurance scoring for many years. The better your credit, the more favorable your rates will usually be
Car — the type of car, engine size, safety features, etc.. are all part of determining the rate
Driving History — your driving record and loss history plays a substantial role in the price. If you have a spotty driving history, or multiple moving violations or accidents, chances are, you won’t get a preferred rate until those things are at least 3 years old
Household — insurance companies underwrite at the household level, meaning they try to judge based on the entire household, what the probability of loss will be. If there are multiple drivers in the house who are under the age of 25, that will impact everyone’s pricing in the household
How to get started with your car insurance quotes
If you live in Lexington, SC or Columbia, SC, area and are looking for a car insurance comparison, Safe Harbor Insurance Advisors makes the process of finding the best company and price easy.
We can also BUNDLE your homeowners insurance to really save you money!
We do all the heavy lifting for you!