Auto Insurance in Mount Pleasant, SC

Auto insurance helps protect against the adverse financial effects of an injury or damage-causing accident. This highly customizable coverage may provide liability-only insurance or help cover damage to the insured vehicle, depending on the coverage you choose.

Contact Blue Granite Insurance in Mount Pleasant, South Carolina, today to learn more about your auto insurance options.

How Much Auto Insurance Do I Need?

The amount and types of auto insurance you need depend on where you live and whether you finance or lease vehicles.

South Carolina drivers must carry liability insurance to help pay for third-party bodily injury and property damage after an at-fault accident. They must also purchase uninsured motorist coverage to help pay for damages if the at-fault driver doesn’t have appropriate auto insurance coverage.

If you use your vehicle for business purposes, your personal auto insurance policy may not cover accidents and incidents that happen during everyday business. Talk with your agent to determine whether it may be appropriate to purchase commercial auto coverage.

If you have a car loan or lease, your lienholder requires you to carry full coverage auto insurance, which may include comprehensive, collision, and gap coverage. Your agent can help you determine which coverages you need to remain in compliance with South Carolina and your lienholder.

Types of Auto Insurance

Your agent will help you determine how much required insurance is appropriate for your needs, including:

• Liability insurance helps cover claims arising from damage or injuries you cause to others after an at-fault accident.
  • Bodily injury liability coverage helps cover third-party injuries.
  • Property damage liability helps pay for damage to third-party property.
• Uninsured/underinsured insurance helps cover damage caused by someone else when they don’t have appropriate liability coverage.

Depending on your needs, your agent may recommend that you purchase the following optional coverages:

• Collision insurance helps cover damage to your vehicle after a wreck with another vehicle or object
• Comprehensive insurance helps pay for non-collision incidents, such as weather, fire, or vandalism damage.
• Medical payments (MedPay) coverage helps pay medical bills for you and your passengers, regardless of who is at fault.
• Gap insurance helps bridge the financial “gap” between the amount you owe the lienholder and the settlement from your insurer if an accident renders your vehicle a total loss.

What Else Does Auto Insurance Cover?

There are so many choices among auto insurance policies that it’s possible to cover nearly any auto-related issue. In addition to full coverage auto insurance, your agent may recommend the following auto policy add-ons and endorsements:

• Roadside assistance
• Rental car reimbursement
• Custom parts and equipment coverage
• Windshield or glass repair coverage

How to Get Auto Insurance

Contact Blue Granite Insurance today to get help building an auto insurance policy to meet your needs and to get car insurance quotes.