Every insurance provider in Greenville or Spartanburg, SC will calculate your points differently. Depending on the insurance company, you might get a five percent bump in your rates with one insurer, and you might get a fifteen percent bump with another. The points themselves are added to your license by the South Carolina DMV, but every insurance provider will penalize you according to their own internal rule set. Allsurance Group can connect you to a range of providers so that you can find a forgiving insurer, but your best bet is to keep the points off your record in the first place.
Points will be added to your record based on many factors. Going ten miles over the limit on the highway might net you a single point, for instance, but going just a few miles over the limit in a school zone might net you two or more.
At 12 points, your license will be suspended. This doesn’t mean that you’re safe with your first-time offense if it’s a big one. Major offenses often bypass the points system entirely and go to instant suspension. But, all those little offenses can add up quickly, so you want to keep an eye on your points even if you’re a safe driver.
Some providers forgive your first accident without regard for points, and all insurers are required to honor points removed through defensive driving courses and so on. Even if you have some points on your record in Greenville or Spartanburg, SC, you have a lot of options to manage them and get excellent coverage through Allsurance Group. Reach out to our agents to learn more about a policy or try our online rating tool for quotes on auto insurance.