THURSDAY, SEPTEMBER 8, 2022
All drivers have to carry car insurance. It’s the law. However, no two auto policies are alike, and if you just buy the first policy you find then you might actually be doing yourself a big disservice. In other words, you owe it to yourself to get a reliable, personalized policy.
The better your policy matches your needs, the better the financial assistance you will receive following a car wreck, vehicle fire, theft, accident lawsuit or other unexpected hazard. There’s no better way to get that coverage than to work with an insurance agency that will invest the time, effort and expertise to make sure you are adequately covered.
At Dixon Blackwood Insurance Agency, we’re dedicated to our customers first and always. We firmly believe that our commitment to service will help us deliver on the auto insurance solutions that every driver needs. You’re a unique driver and you always face one-of-a-kind driving risks, so let us help you choose the policy that will offer you the greatest balance of coverage, value and price.
Why You Must Have Personalized Car Insurance
Your car is worth a unique amount of money, and the ramifications of an accident will affect everyone differently. The cost of those losses, likewise, might be more of a burden for you than for someone else.
Therefore, you want an auto policy that will pay you an adequate amount for your specific financial challenges, whatever they might be. If you don't have the right amount of coverage, then you might find yourself facing outstanding costs that could be significant burdens that you cannot reasonably afford.
Choosing Your Benefits
Forty-nine states require all registered drivers to have minimum amounts of auto insurance. South Carolina requires you to carry a minimum of:
- Bodily Injury Liability: $25,000 per person/$50,000 per accident
- Property Damage Liability: $25,000 per accident
South Carolina law requires you to carry uninsured motorists coverage equal to the minimum amounts of liability coverage (25/50/25). There is typically a $200 deductible.
Auto insurers are required to offer you underinsured motorists coverage in South Carolina, but you are not required to purchase it.
Still, the minimum amounts of required coverage are just the minimum amounts. You can increase your liability limits and it’s highly advisable that you do so.
After all, when an accident is your fault, then another injured driver might sue you for hundreds of thousands of dollars in medical costs. The $30,000 per person provided by the minimum bodily injury liability coverage might not cover these losses, and you shouldn’t have to worry about how you will pay them. Just by increasing your liability coverage, you will open yourself up to better security.
Plus, you can augment your liability coverage with other benefits like collision insurance, comprehensive coverage, roadside assistance, rental car reimbursement and medical payments coverage. All of these benefits can significantly reduce your personal burden for the ramifications of vehicle accidents, and in many cases, you can add them into your policy at a very reasonable additional cost.
Why It Helps to Compare Policies
Dixon Blackwood Insurance Agency is a fully independent agency, and we offer quality auto policies from numerous leading carriers. This allows us to compare numerous policy options when helping you search for the perfect coverage, and we offer you the benefit of choice when making your decision.
All drivers present insurers with unique risks, and insurers will quantify your risk to them when determining whether they will cover you and how much they will charge you. Among the risk factors that your insurer might examine are:
- Where you live
- How old you are
- The value of your vehicle
- Your driving record
- Your credit score
The coverage limits, endorsements and deductibles you want in a policy
However, not all insurers measure these risks in the same ways. Therefore, you might find that one offers you a much more competitive price than another given your circumstances. That’s why you’ll want the help of a committed agent when choosing which policy is actually the best one in terms of both coverage and price. And there are plenty of auto coverage solutions on the market that offer affordability without sacrificing benefits. You can trust your Dixon Blackwood Insurance Agency representative to help you find your perfect coverage fit.
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