Save Money on Car Insurance
Trying to save on car insurance? You may qualify for discounts. Call us today!
At Cheri Nelson Insurance Agency, we will help you save money, understand your policy and offer several affordable car insurance rates. Our job is to help you find the best rate, service your auto policy when needed, and provide excellent customer service. When getting ready to purchase auto insurance, we will thoroughly explain each coverage on your policy and educate you on what is covered. As licensed agents, we understand that car insurance may sound like a complicated process, but we make the process seamless and quick.
The state of South Carolina institutes minimum auto insurance requirements, call an agent at Cheri Nelson Insurance to see if you're protected. Read below the different types of insurance coverage options available to you.
What is Liability Coverage?
Car Insurance Liability covers the other persons' property damage and injuries when you are at fault in an accident. It makes up two main components: bodily injury liability and property damage liability. Bodily Injury liability covers medical expenses, pain and suffering, and lost wages. Property damage liability pays for damage to the other persons' vehicle and property like houses, businesses, or other personal property. Understanding the limitations of liability car insurance is very important. Contact an agent at Cheri Nelson Insurance Agency to help you with a free car insurance quote.
Uninsured & Underinsured Motorist Coverage
Uninsured Motorist goes into effect when you get in an accident with a driver who does NOT have insurance. The cost of damage is covered until your policy limits are exhausted. Underinsured Motorist covers the remaining cost of damage if the driver at fault does not have the proper coverage limits on their car insurance policy. According to Insurance Information Institute, 9.4% of South Carolina drivers are uninsured.
Collision Coverage
Every car insurance policy is different. Some policies require Collision coverage because of the financial institution. Or your car is paid off, but you still want to Insure your vehicle against damage when you're at fault. Collision coverage gives you the ability to get your vehicle fixed with a deductible paid first. The higher the deductible, the lower the premium. For example, a $1000 deductible will have a cheaper premium than someone who has a $500 deductible.
Comprehensive Coverage
Comprehensive coverage insures your vehicle against vandalism, fire, and falling objects. Also, broken windshields are covered under comprehensive coverage. Those who finance their vehicle may be required to have comprehensive and collision coverage. If you experience damages to your vehicle other than collision, then you may be covered under comprehensive. Contact your insurance carrier to report a claim or contact us if you have any other questions or concerns.
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Questions about Auto Insurance?
Discounts for auto insurance?
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Safe driver discount
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Vehicle safety features
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Prior insurance with no lapse in coverage
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Pay in full
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Own a home
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College education
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Multi-car discount
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Bundle home & auto
Does Uber, Lyft, or DoorDash affect my car Insurance?
Yes, ridesharing will affect your auto Insurance premium because more liability is involved on the road consistently. You must tell your agent if you are involved with ridesharing to ensure that your damages will be covered while driving others.
What is SR-22?
SR-22 is a form that is required by the driver's state and is filed to prove that you have insurance. SR-22 is not a separate policy but instead is an addition to the policy requiring the driver to have it on their insurance for a certain period of time.
Does auto insurance cover a rental car?
Rental cars are typically covered if you purchased the endorsement on your auto insurance policy up to $40, $50, or $60 per day up to a specific limit. Rental car is typically inexpensive to add, and we highly recommend you to have it in the event of an accident resulting in your vehicle having to be fixed in a shop.
Do I need car insurance in South Carolina?
Yes, if you have a registered vehicle in South Carolina and you are driving the car, insurance is required by South Carolina.
Have more questions about auto insurance?
Contact us and have a trusted agent answer all the questions you have about auto insurance.