South Carolina Car Insurance Quotes

In South Carolina, the state has set the minimum auto insurance requirements to $25,000 per person up to $50,000 per accident in bodily injury liability as well as uninsured motorist bodily injury.  The property damage liability minimum coverage is $25,000 for both insured and uninsured motorist coverage.  The tort system is followed in South Carolina which means someone must be found at fault in a accident.  This is where liability insurance coverage comes into play to protect you from any personal liability, up to the limits of your policy, that may result from an accident.
When shopping for South Carolina car insurance you will need to provide the following information: proof of ownership, proof of prior insurance, complete description of your vehicle and how it’s used,  your drivers license and driving record as well as any other drivers in your household, any accident claims and what type of coverage is needed.  Insurance companies may refuse to write auto insurance on anyone as long as it is not based on your race, nationality, marital status, level of income or occupation.  If you were turned down by one company, try another .  Those who are unable to obtain insurance from a private insurance company can apply to the South Carolina Associated Automobile Insurers Plan as they provide coverage to those who are eligible.  They are a last resort for insurance as their premiums will be higher that a private insurance company.
Another option is to pay an annual fee of $550 to the Department of Public Safety to be allowed to legally drive uninsured.  However if you are involved in an accident and found at fault, you will be personal liable for any damages caused to people and property.
Different South Carolina car insurance companies will charge different rates for the same type of coverage.  It is important to compare what is offered from each company when purchasing car insurance.