Cheapest Auto Insurance in Greenville-Spartanburg SC – Compare Rates

Cheapest Auto Insurance in Greenville-Spartanburg SC – Compare Rates

Most drivers want to save as much money as possible on car insurance. It is one of those necessary but unglamorous products that we all hope we never need. However, when you are at fault for an accident in South Carolina, having adequate auto insurance coverage from a reputable company can save your financial future.

Repercussions of Not Buying Insurance

If you drive without insurance in South Carolina and cause an accident, you could be forced to pay thousands or tens of thousands of dollars out of pocket. Even minor accidents have the potential to wipe out most people’s savings. Should you lack the funds to pay civil judgment, courts have the power to garnish your wages or even sell your house to satisfy the claim. Driving without insurance is also against the law.

Penalties for Driving Uninsured in SC

South Carolina law provides for penalties that are much stiffer than most states when you are caught driving uninsured, according to Value Penguin. First offenses carry fines of $500. Offenders are also required to obtain an insurance policy and prove it to the court or their licenses, registration, and license plates may be suspended. An additional $200 reinstatement fee is required to have the license suspension lifted. Further, an additional $5 per-day fine is added for each day you remain uninsured. Second offenses carry possible jail time in addition to fines. Third offenses carry a mandatory 45 to 60 days in the state prison.

Required Car Insurance in South Carolina

To comply with the SC auto insurance laws, South Carolina drivers must carry a policy covering a minimum of $25,000 for the injury or death of a single person, $50,0000 covering all injuries and deaths related to a single accident, and $25,000 for vehicle and property damage caused in a single accident, notes Nolo. This is known as liability insurance. Insurance carriers commonly refer to the minimum coverage amounts as 25/50/25. Drivers must also carry a minimum of $10,000 for property damage to their vehicles. The state also requires all auto insurance policies to provide uninsured motorist protection, which kicks in if another driver who is uninsured causes an accident. There is no requirement for underinsured coverage, though insurance companies must offer this protection at the time of policy sale.

An Insurance Conviction Makes You a High-Risk Insuree

Another reason to avoid driving without insurance is that a conviction for driving without insurance places drivers in the high-risk category. Drivers in this category must then pay higher insurance rates. They may also find themselves ineligible for traditional insurance policies. Individuals in this position must purchase a policy through South Carolina’s high-risk pool.

Buy Your Auto Insurance Policy Now

You can obtain auto insurance in Greenville and Spartanburg through an insurance brokerage, such as Upside Insurance. Upside contracts with multiple auto insurance companies and places drivers with the appropriate option. Insurance companies offer a wide variety of rate plans. Some plans favor drivers in certain age groups or with clean driving records.

Insurance can also be obtained directly from large insurance companies, such as Nationwide or State Farm. These companies provide quotes over the phone. Rates are not necessarily lower for drivers who buy policies directly.

What to Know When Shipping Your Car Cross Country

What to Know When Shipping Your Car Cross Country

Shipping your vehicle is essential for anybody looking to move across the country. There are important things to know that will make the process smoother and more enjoyable for everybody involved. By following these steps, you can prepare yourself for any situation that might occur.

1. Long shipping times

Even in this day and age, it takes a while to ship your car across the country. If it does not arrive at the start of the expected period, do not fret. The number of lost vehicles over the past decade is meager. There may be complications due to weather or traffic when transporting the car between states, and these accidents can add a few days to the travel time. If things drag out, you can always contact the moving company for information on the status of the vehicle and how it is coming along. Shipping times can range from one to two weeks depending on the size and distance of travel.

2. Safety

Shipping your car across the country is extremely safe. Your car is a minimal risk of getting into an accident or getting dents on its sides. Long distance mover, Moving Mule (www.movingmule.com), says that most car shipping companies offer both enclosed and open air trailers for shipping. While the open air option is cheaper, it leaves vehicles exposed to the elements. Shipping via an enclosed trailer is the safer, but more expensive option. Either way, your car has a good chance of getting to its destination without dings or scratches.

3. Car model

The model of your vehicle plays a factor when shipping your car across the country. Depending on the manufacturer, it might be stored with similar vehicles. This is a terrific method of organization, and it guarantees that your car is placed in the right spot. When it comes time to unload the vehicles, it will be transported systematically.

4. Fill out paperwork

When shipping your car across the country, it is very important that you fill out all the necessary paperwork. If you fail to do so, it is a liability for both you and the transport company. In the case of an emergency, personnel won’t have a contact number, and they won’t be able to notify you of the incident. It is best to fill these forms out and save a hard copy for yourself. This way, you have insurance for even the worst case scenario.

5. Choose smart destinations

While you can ship your car to nearly any city, it is best to choose a metropolitan area for the best results. There will be more car service providers, and they can receive the vehicle in top shape. Smaller towns might not have the same services, so the wait could potentially be longer. It will save you time and money.

Car owners should not be hesitant about shipping their cars across the country. Cars are extremely valuable, but they are handled with care along the way. You can take your ride to the other half of the United States and continue your road trip from there.