Car Insurance in South Carolina: What You Need to Know
If you are a driver in South Carolina, you need to have car insurance that meets the state's legal requirements and protects you from financial losses in case of an accident. At Farm Bureau Insurance, we offer a variety of car insurance options that suit your needs and budget. Here are some of the key features of our car insurance policies and how they can benefit you.
Types of Coverage
Depending on your situation, you may need different types of car insurance coverage. Some of them are mandatory by law, while others are optional but recommended. Here are the main types of coverage we offer and what they cover:
This is the basic coverage that every driver in South Carolina must have. It pays for the damage and injuries you cause to other people or their property in an accident that is your fault. It includes two parts: bodily injury liability and property damage liability. The minimum limits required by law are $25,000 per person and $50,000 per accident for bodily injury liability, and $25,000 per accident for property damage liability.
Why is Liability Coverage needed?
If you cause an accident that injures other people or someone's property, Liability Coverage pays (up to the policy limits) for the damages you cause to others. Also, if you're sued for an accident you cause, Liability Coverage pays for your legal defense and court costs, up to the policy limits.
Uninsured and Underinsured Motorists Coverage
This is an optional coverage that protects you and your passengers if you are involved in an accident with a driver who has no insurance or not enough insurance to cover your losses. It covers your medical expenses, pain and suffering, lost wages, and other damages up to the limits of your policy.
Medical Payments Coverage
This is an optional coverage that pays for your reasonable and necessary medical and funeral expenses, regardless of who is at fault in an accident. It covers you and your passengers, as well as any family members who are driving or riding in your car.
Physical Damage Coverage
This is an optional coverage that pays for the repairs or replacement of your car if it is damaged in an accident or by other causes, such as fire, theft, vandalism, or animal collision. It includes two parts: collision coverage and comprehensive coverage.
- Collision coverage pays for the damage to your car caused by a collision with another object or vehicle, or by a rollover.
- Comprehensive coverage pays for the damage to your car caused by anything other than a collision, such as fire, theft, vandalism, or animal collision.
Additional Coverage Options
At Farm Bureau Insurance, we understand that every driver has different needs and preferences when it comes to car insurance. That's why we offer additional coverage options that can enhance your protection and peace of mind. Here are some of the additional coverage options we offer:
- Rental Car Reimbursement: This option pays for the cost of renting a car while your car is being repaired after a covered loss.
- Classic Cars: This option provides specialized coverage for classic cars that are at least 25 years old and have a limited use.
- Antique Cars: This option provides specialized coverage for antique cars that are at least 35 years old and have a limited use.
To get a quote for any of these options, please contact your Farm Bureau Insurance agent.
We believe that you deserve to save money on your car insurance if you are a safe driver and a loyal customer. That's why we offer a wide range of competitive discounts that can help you lower your premium. Here are some of the discounts we offer:
- Account Discount
You can get this discount if you have another qualifying property policy insured through us, such as a homeowner's policy or a renter's policy.
- Adult Driver Training Discount
You can get this discount if you are over 25 years old and complete an approved driver's training course that includes at least four hours of classroom instruction.
- Away at School Discount
You can get this discount if you have a student under 25 years old who attends school more than 100 miles away from home and has no access to a car.
- Claims-Free Discount
You can get this discount if you have no chargeable claims on your policy in the last five years.
- Company Vehicle Discount
You can get this discount if you have a driver in your household who has full-time access to a company car for personal use.
- Continuous Coverage Discount
You can get this discount if you have had no gaps in your coverage for any vehicle on our policy in the last three years.
- Farm Discount
You can get this discount if your vehicle qualifies for farm use.
- Financial Responsibility Discount
You can get this discount if you have had no bounced checks or insufficient funds charges for premium payments made to us in the last three years.
- Good Student Discount
You can get this discount if you have a student between 15 and 24 years old who meets one of the following academic criteria: ranked in the top 20% of their class, achieved a B average or better, or listed on the Dean's List or Honor Roll.
- Loyal Customer Discount
You can get this discount if you have been with us for two or more years.
- Multivehicle Discount
You can get this discount if you have more than one vehicle insured under the same Farm Bureau membership.
- No Moving Violations Discount
You can get this discount if all drivers on your policy have no moving violations, as reported by the Department of Motor Vehicles, for the last three years.
- Personal Financial Discount
You can get this discount based on your insurance score, which considers your payment history and other similar factors.
To find out if you qualify for any of these discounts, please contact your Farm Bureau Insurance agent.
Why Choose Farm Bureau Insurance?
At Farm Bureau Insurance, we are more than just an insurance company. We are a family of agents, customers, and members who share the same values and vision. We are committed to providing you with the best car insurance solutions and customer service in South Carolina. Here are some of the reasons why you should choose us:
- Experience: We have been serving South Carolina drivers since 1955, and we have the expertise and knowledge to help you with your car insurance needs.
- Authoritativeness: We are a trusted and respected name in the insurance industry, and we have earned many awards and recognition for our excellence and innovation.
- Trustworthiness: We are a customer-focused and community-oriented company, and we care about your satisfaction and well-being. We offer fair and honest claims service, 24/7 customer support, and local agents who know you and your needs.
If you are looking for a car insurance company that offers you experience, authoritativeness, and trustworthiness, look no further than Farm Bureau Insurance. Contact us today and get a free quote.