Columbia is a city with many wonderful traditions dating back several centuries. One of these iconic attractions is the South Carolina State Farmers Market, a proud showcase for Columbia's local agricultural production. Another feature that has stood the test of time is the South Carolina Governor’s Mansion, which has been home to more than 30 governors and was originally an officers' residence of the Arsenal Military Academy. Many folks who live in this city need their car to get around, and they know how vital it is to have a Columbia, SC car insurance policy to drive safely.
The South Carolina Department of Motor Vehicles legally requires minimum liability amounts for every auto covered by Columbia car insurance. This minimum amount of liability coverage will protect you should you become involved in an accident and, due to your negligence, cause property damage or a physical injury to one or more people.
The mandatory minimum liability insurance coverage that you must carry includes the following:
The minimum amount of liability insurance is 25/50/25:
The number of uninsured drivers in South Carolina is considerably lower than
the national figures, but there is always a chance that an uninsured motorist will be at fault in an accident. Your uninsured motorist coverage can provide the extra security and peace of mind that comes from knowing damages will be covered if an at-fault driver does not have liability insurance or the money for compensation.
More cars are stolen in South Carolina than the national rate. Your risk of this type of loss can be decreased by a few common-sense measures. Always lock your car and park it in secure or well-lit areas whenever possible, and consider anti-theft devices and GPS. A comprehensive auto policy will ensure that you are reimbursed for this big loss if your car is stolen.
In addition to the legally required liability insurance, you can buy other forms of Columbia car insurance for your vehicle such as these:
The average annual premium, which is a bit lower than the national average, is just an estimate of your final rates. A number of variables affect the premiums you will actually pay for your Columbia car insurance policy:
Most insurers offer a number of discounts that will allow you to lower the cost of your premium. These discounts might include:
An independent insurance agent in the Trusted Choice® network can provide you with a number of policy options and can show you comparable Columbia auto insurance quotes from different companies.
Contact an agent today and get the car insurance you need.