Auto Insurance

Drivers in South Carolina have a variety of auto insurance options available to them. Whether you are new driver looking for your first auto insurance policy, or just shopping around for a better rate on your current policy, the Wannamaker Agency works with only the best insurance providers to ensure you get the coverage you need at a price you can be happy with.

Whether you are in Orangeburg, Calhoun, or Bamberg County, you must hold minimum levels of liability and uninsured motorist coverage. Liability insurance will pay for damages and injuries to other parties if you were to cause an accident. Uninsured motorist coverage will pay for damages or injuries that you suffer if you are in an accident with a driver who does not have auto insurance. Keep in mind that the minimum required coverage does not protect you or your vehicle in all situations. Let’s take a look at what is required by South Carolina law, as well as optional coverages that are available to offer more complete protection.

Minimum Auto Insurance Requirements in South Carolina

Liability Coverage:

  • $25,000 for bodily injury or death per person
  • $50,000 total for bodily injury or death per accident
  • $25,000 for property damage

Uninsured Motorist Coverage:

  • $25,000 for bodily injury or death per person
  • $50,000 total for bodily injury or death per accident
  • $25,000 for property damage

A variety of optional coverage is available to further protect both you and your vehicle. These options include collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, rental car coverage, roadside assistance/towing coverage, loan/lease gap coverage, and more. The two most common policy additions are Collision and comprehensive coverage, both of which will provide additional protection for your vehicle.

Collision coverage will cover damage you were to cause to your own vehicle, up to your policy limit. Your bank or lender may require you to purchase collision coverage if you have financed or leased a vehicle. Collision coverage begins to lose value as vehicles get older and begin to depreciate. Financially, it may make sense to cancel collision coverage on older vehicles that have depreciated significantly.

Comprehensive coverage will take care of damage to your vehicle caused by external factors. This would include damage from various events including vandalism, fire, theft, natural disaster, and similar non-collision related damage. As with collision coverage, comprehensive coverage may be less valuable to those with older vehicles. We can help you determine if these two types of coverage are needed for your vehicle.

It is our goal at the Wannamaker Agency to help you find you a great rate on an auto insurance policy that meets all of your coverage needs. Contact us today for a free quote or you may use our Auto Insurance Tool to get started as well!