Car Insurance in Summerville, SC
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Save Money and Hassle With the Right Car Insurance in Summerville, SC
Summerville, SC, has just over 50,000 people. although the population has recently seen a decline. Of these people, about half of them are in the workforce and need to hit the roads in their vehicles to get to work since there is a noticeable lack of public transportation.
The average amount of time these individuals spend on their commute is 29 minutes. That means that they spend almost an hour behind the wheel every day.
According to Data USA. of these commuters, 85.4% drive to work alone, 6.21% carpool, and 5.99% work from home. Doing some quick math, that's just over 20,000 cars on the road every day.
Liability Requirements
South Carolina requires drivers to have bodily injury, property damage and underinsured driver liability coverage. Bodily injury is one of the most used liability coverages and protects you if you cause physical injury to another person. In South Carolina, you must carry at least $25,000 per person and $50,000 per incident bodily injury coverage. This money pays for things like medical bills, pain and suffering and lost wages if you cause a crash.
Physical Damage Coverage
Physical damage coverage is a good idea because it pays for damage to your vehicle. Collision and comprehensive are the two most popular types of policies. Neither of these are required by state law. Collision is the more popular option, and it protects your car if you crash it.
If you have an older car or sustain extensive damage in an accident, this coverage will still protect you. The insurer may total your car and give you the cash value of it. However, they will only do this if you cause damage that would cost more than 75% of the car's value to fix.
Average Monthly Rates
Rates for car insurance in Summerville, SC, vary significantly between individuals. That is because of a variety of factors that affect your risk of financial loss due to an accident. However, on average, people who live in Summerville, SC, pay monthly rates that are higher than both the state and national average. That said, you can shop around and compare offers from different insurers to get the best rate. Using VIU by HUB is a great way to do this and ensure you get the right policy for the right price.
Rates by Insurance Companies
Insurance companies offer you different rates because they each weigh various risk factors uniquely. The cheapest companies might offer you a rate of around $50 a month. Others can run closer to $70 to $120 per month. Therefore, you need to make sure that you compare all of your options. VIU by HUB is a great tool to use to quickly compare rates and find the best one for you.
Rates by Location
Your rates can vary depending on where you live within Summerville. Some areas have lower average costs as they are considered less risky. Others have higher costs because it is more likely that people who live and drive in these areas will experience financial loss in a crash.
When you want to protect yourself financially, you need to get the best car insurance in Summerville, SC. You also need to get the best price for your policy. VIU by HUB can help you find this by comparing rates in your area and matching you with the options that fit your needs and budget.
This information is intended for general informational purposes only and is not intended to constitute legal advice.