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Rock Hill Car Insurance

Rock Hill car insurance provides you with financial security when you are on the road. There are a number of costs that comes with getting into an auto accident. Not only could you be looking at the repairs or replacements of your vehicle but you also need to think about the medical related costs of any minor or major injury. You could be looking at surgery, hospitalization and a loss of income. You may need to hire a nanny to watch for your children, you may need to pay for a rental car if yours is out of commission and you may need to hire a therapist to help you learn how to walk again. All of these things can be covered on your Rock Hill car insurance, as long as you are willing to purchase comprehensive and adequate coverage.

Basic Car Insurance Policy

Before you speak to a representative about your Rock Hill car insurance, make sure you know exactly what you want from your coverage. All drivers in Rock Hill need to purchase basic South Carolina auto coverage. This includes liability coverage and uninsured motorist coverage and will protect the other drivers or people in the accident if you are found at fault. Basic coverage also protects you in the event that the other driver is found liable for the car accident but does not have proper insurance to pay for your losses. Basic coverage does not, however, cover your medical related costs or vehicle damage if you are found liable for the accident.

Every state is different when it comes to their basic coverage policies and how much you need to purchase. South Carolina has limits of $25,000 per person up to $50,000 per accident for bodily injury and $25,000 for property damage protection. This is in place for both liability coverage and for uninsured motorist coverage.

Full Coverage Policy

If you are choosing a basic coverage policy then you can expect to pay around $460 for liability coverage[1]. However, for a few hundred dollars more each year, you can also purchase comprehensive and collision coverage which will pay for any costs to your own car in the event of an accident where you are found liable. Liability, uninsured motorist coverage, collision and comprehensive bought together is known as full coverage and is based partially on vehicle accident rates.

You may also want to purchase personal injury protection, an essential type of coverage that pays for medical related costs to both you and your passengers. Personal injury protection or PIP is required in many states but not in the state of South Carolina. However, just because you do not need it doesn't mean you should go without it.

Make sure you see what is included in the PIP policy when you are buying Rock Hill automobile insurance. Most providers in Rock Hill, SC will offer PIP that comes with compensation for things like rehabilitation and surgery up to a certain limit as well as funeral and burial costs and a loss of income up to a certain amount. How much you receive will depend on what your limits are and how serious the injuries are. A single driver in Rock Hill SC may choose a policy with $100,000 PIP while a family living in Rock Hill SC will probably feel more confident with a $300,000 PIP limit.

Buying Car Insurance

Once you know your options when it comes to your Rock Hill car insurance you can get down to finding the best deals. There are several different ways you can purchase your Rock Hill auto insurance and there is no right or wrong way to go about it. You may choose to look in the yellow pages and select a Rock Hill car provider at random or you may choose to ask your friends and family who they are insuring with. You may go door to door to each representative or you may choose to pay the extra money and stick with a car insurance broker that finds multiple quotes for a fee.

Another option is to ditch the hard work and hop online where you can get everything you need to buy Rock Hill vehicle insurance but without the effort that comes with it. Because there are so many different providers out there, every driver has the right to be choosy. Contrary to popular belief, your car insurance rates are not set in stone and will vary depending on your provider. Find the provider that works for you and offers you the very best deals on your Rock Hill car insurance by shopping and saving online. Connect with the network of agents online where you can compare the best car insurance in Rock Hill for the lowest rates. Why pay more than you need to on your Rock Hill car insurance?

[1] 05/01/2011


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