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Until 1999, south carolina auto insurance carriers were required to write auto insurance policies for
all drivers; south carolina auto insurance insurers are now free to reject applications on the grounds of
risk factors. Drivers who cannot gain south carolina auto insurance from normal south carolina auto insurance companies must seek it from the Joint Underwriting Association, a state-run pool.
With average south carolina auto insurance premium at around $866 in 2003, and the national average at around $914, most South Carolinians incorrectly assume that they have no choice but to accept these south carolina auto insurance rates fixed by south carolina car insurance companies and state regulatory agencies. We know there are cheap south carolina auto insurance rates available for you, and we will help you find the cheapest south carolina auto insurance quotes.
South Carolina auto insurance insurers are allowed to take the following factors into consideration
when assessing south carolina auto insurance rates: where the driver lives and drives, the age, sex, and marital
status of the driver, the purpose for which the car is used, the year, make,
and model of the car, and the driver's history. South Carolina uses a "point" system - one point eliminates the driver's "safe driver" discount, and subsequent points increase the base south carolina auto insurance rate of the driver's coverage by $20 for liability and an additional $20 for collision. Drivers may obtain south carolina auto insurance discounts from south carolina auto insurance companies on the basis of completing safe-driving courses, age, the condition of the car, and the car's safety features, such as airbags or antilock breaks.
As the years go by, the south carolina auto insurance rates change, you might be paying more south carolina auto insurance premium than you need to. Just one year earlier, the average south carolina auto insurance premium in 2002 was about $818, that's an increase of about 5.87% in just one year!
South Carolina does offer a provision for eligible drivers to drive without
purchasing south carolina auto insurance. Upon the payment of a $550 fee to the Department of Public
Safety, drivers may legally operate vehicles in the state. However, those drivers will still be responsible, in accidents at which they are at fault, for losses incurred by other drivers, including lost wages, medical expenses, and pain and suffering, as well as property damage.
The state of South Carolina normally requires motorists to maintain
"15/30/10" liability insurance. The state mandates a minimum of $15,000 liability insurance for bodily injury to one person injured in an auto accident, $30,000 for two or more persons suffering bodily injury in an auto accident, and $10,000 for property damaged caused in an auto accident. South Carolina also requires Uninsured Motorist Insurance, but does not require Underinsured Motorist Insurance. The state does not require comprehensive, collision, or medical pay insurance. South Carolina is a tort liability state, not a no-fault state; an individual may pursue legal claims against an at-fault driver.
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