All about South Carolina Insurance

If you are a resident of the state of South Carolina you should check out everything you need to know before you attend to your insurance needs. You should meet with an auto insurance agent when getting car insurance, a homeowners insurance agent when insuring your home, and a health insurance agent when you are in the market for health care insurance.

Starting with your car insurance, you must have current proof of car insurance in order to drive legally in South Carolina. Failure to show proof of insurance if stopped by law enforcement will result in fines, and worst case, having your car impounded.

You must carry the minimum amounts of personal and property liability that is determined by the state. You can always get more car insurance but you must at least have the amounts required by the state. You can find these amounts on the state’s website page.

When you meet with an auto insurance agent you will find out what kind of discounts his company offers. You may be able to qualify for a couple and get your insurance premium lowered.

Getting homeowners insurance for your home and personal belongings can also be a little intimidating. Find an agent who can direct you as to exactly what you need to get to properly cover your home. You will need the date your home was built and what it is made of. Your agent may also ask you how close your home is to a fire hydrant and the local fire station. The closer it is to both things is a good thing and can help your premium go down a bit.

Make sure you let them know if you have a security system on your premises and a monitoring system is in place. You will get about a 20% off your premiums when you send them in proof of the alarm system.

When you are shopping for health care insurance you should first see if your place of employment has a plan you can join. If not you may be able to join a plan your spouse may have with his job. If you have to find insurance on your own try to go through a health insurance agent who can answer any questions you may have and guide you to the right plan.