Charleston has beautiful architecture and a variety of attractions for tourists. The Charleston streets are famous for several theatres and art institutions. With a population of around 136, 200 residents, Charleston is one of the largest and oldest cities in South Carolina. Car insurance in Charleston SC is pretty easy to get.
Drivers should carry a minimum insurance liability limits on their car insurance in Charleston SC, which is as below:
- Bodily injury – $25,000 per person
- Bodily injury – $50,000 per accident
- Property damage – $25,000 per accident
- Uninsured motorist – $25,000 per person
- Uninsured motorist – $50,000 per accident
In the event of an accident, liability coverage will take care of the expenses to bodily injury and property damage. Uninsured motorist coverage will take care of expenses if you happen to be in an accident with an uninsured driver. The state has made it mandatory for all drivers to have these coverages in your auto insurance policy. The limits mandated by the state may not be sufficient to cover the expenses of an accident. An individual should opt for higher insurance amount to cover expenses in case of an accident.
Types of Coverage for Car Insurance in Charleston SC
Besides these, there are additional coverages that a driver should include in their auto insurance.
Collision coverage will cover expenses of damage due to a collision. Collision coverage is generally bundled with comprehensive coverage. Comprehensive coverage is for any damages caused to the vehicle other than from a collision. It could be damages caused due to fire, theft, or bad weather.
Uninsured motorist insurance coverage is quite often bundled with underinsured motorist coverage. The uninsured or underinsured motorist coverage will cover any expenses occurred due to an accident with an uninsured or underinsured motorist.
Medical expense coverage will cover medical expenses in the event of an accident. Personal injury coverage protection is quite similar to medical expense coverage. This coverage will also take care of medical expenses. Furthermore, it will also look after other expenses due to the accident, such as loss of wages.
The uninsured or underinsured motorist coverage will cover any expenses occurred due to an accident with an uninsured or underinsured motorist. Medical expense coverage will cover medical expenses in the event of an accident. Personal injury coverage protection is quite similar to medical expense coverage. This coverage will also take care of medical expenses. Furthermore, it will also look after other expenses due to the accident, such as loss of wages.
These are some of the additional coverages that you can include with your auto insurance in Charleston South Carolina. Liability coverage may not be sufficient enough, including these additional coverages along with liability coverage will be more beneficial for your auto insurance policy.
Factors that Determine Auto Insurance in Charleston South Carolina
A teenage driver pays an expensive premium as compared to a 20-year-old driver. Insurance companies consider teenagers as inexperienced and risky drivers. As the age group increases from the 2s0 to 30s, 30s to 40s, and so on, the premium amount gradually decreases. Hence, a more matured and experienced driver pays a more reasonable premium amount than a young and inexperienced driver.
A driver with at-fault accidents, speeding tickets, and violations of laws can lead to an expensive insurance premium. Maintaining a good driving record can get you a discounted premium rate. Also, drivers living in a locality with high population and traffic can lead to expensive premium rates. This is because the high population will lead to congestion on the streets, and congestion may cause accidents. If the number of accidents is high, then filing of claims will also be high. Hence, insurance companies charge a higher premium amount for residents staying in populated areas with high traffic congestion, or auto theft, or accidents.
Auto Insurance should be purchased from companies that you can trust, and that is financially stable. You can check our list of the best car insurance companies online. Check NAIC ratings to know which companies are reputed auto insurance providers. Compare rates and select the one which is affordable and beneficial for you. We generally read reviews of insurance companies and make decisions. It is difficult to gauge the performance of an insurance company from the reviews. Mostly reviews are left by customers who are not happy. Happy customers will rarely leave a comment. Hence, it is advised to not go by reviews, NAIC ratings could be more helpful for you to make a decision.
