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Allsurance Group

110 Garner Road, Suite 3
Spartanburg, SC 29303

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Auto Insurance Add-Ons to Consider

Most drivers will only have a policy that covers liability and damage caused to them by an uninsured motorist. This minimum is necessary to keep the cars rolling, but it’s only one potential benefit of an auto insurance policy. Allsurance Group recommends considering the following as add ons to your policy to round out your coverage.

Collision Coverage

Collision coverage is an add-on that pays benefits when your vehicle is damaged by another motorist, whether or not they have their own insurance. The financial damage from an accident can easily be more than the value of the other motorist’s coverage, leaving you unable to pay the repair bills. You can add on collision coverage based on your vehicle’s value to keep that from happening.

Comprehension Coverage

Comprehensive coverage is similar to collision coverage, but it expands the covered perils to a wider range of causes. Your car typically isn’t covered in a homeowners’ insurance policy, so damage to it from a fire or storm won’t be covered by it or a collision coverage policy, and natural events don’t carry liability insurance. With this add-on, nearly any form of damage to your vehicle won’t be solely your responsibility to fix.

Medical Payment Coverage

Medical payment coverage, referred to as personal injury protection (PIP) for Spartanburg SC consumers, covers the cost of medical bills for yourself or your passengers in case of an accident. Injuries from an accident can exceed your healthcare insurance without this.

Ask about Your Options

You won’t know which options are available or how much you’ll benefit from them until you talk with an agent who can go over the details of your situation. Residents of Spartanburg, SC can message or call us at Allsurance Group for assistance tailored to South Carolina law.

Required Auto Insurance in South Carolina

South Carolina has strict auto insurance laws that require every vehicle in the state to be covered by at least the minimum amounts mandated by law. However, in South Carolina, the minimum amounts of coverage that you must have are relatively low, and this can leave you vulnerable to lawsuits and other legal and financial problems. If you have no insurance at all, the state can charge you with a specific fine that is charged for every day the vehicle is not insured. To get your vehicle insured, contact us at Spartanburg, SC in Allsurance Group.

Bodily Injury Coverage

The state mandates that you have bodily injury coverage that is for anyone injured in an accident that you cause. This is called bodily injury liability, and there is a minimum amount required for a single person who becomes injured in an accident and another for everyone who suffers an injury from it. In addition, there is an amount required for one person injured in an accident with an uninsured motorist and a higher amount required for everyone who is injured. 

Property Damage Coverage

Medical bills aren’t the only bills that come after an accident. There may be property damage that is caused by your vehicle, and you are required to have coverage for this as well. There is a set amount required for your property damage liability and another amount required for property damage in an accident with an uninsured motorist. The liability coverage pays for someone else’s property damage while the uninsured motorist coverage is for your own vehicle. 

Get Your South Carolina Vehicle Covered

It certainly doesn’t pay to go without auto insurance. In fact, it can cost you quite a bit. To make sure that you have enough auto coverage, give us a call at Allsurance Group in Spartanburg, SC. 

Common Myths About Auto Insurance

We cannot stress enough that auto insurance is a must-have investment if you own a vehicle in Spartanburg, SC, and other parts of America. While auto insurance is mandatory in South Carolina, car insurance comes in handy when faced with unfortunate events. Auto insurance provides liability protection, protects your assets, and pays for medical expenses when involved in an auto accident. 

Regrettably, you might find many motorists without auto insurance. While there are many reasons people choose not to buy auto insurance, misconceptions around car insurance contribute to this trend. In light of this, Allsurance Group is here to debunk common auto insurance myths. 

Myth #1: Color affects your auto insurance rate

You might have heard that color, especially red color affects your auto insurance premium. The truth is that insurers don’t factor in the color of your vehicle when computing the insurance rate. In fact, your insurer doesn’t even know the color of your vehicle. Claim history, age, model, location, and driving history are some factors considered when establishing your auto insurance rate — color isn’t one of them. 

Myth #2: State-required auto insurance is adequate

South Carolina requires motorists to have at least property damage and bodily injury liability coverages in their auto insurance. While purchasing these coverages is vital, they are never adequate. You need to consider other auto insurance coverages like comprehensive, collision, PIP, and roadside assistance coverages for maximum protection. 

Myth #3: A traffic ticket automatically increases your auto insurance rate

Although getting a driving ticket isn’t something to be proud of, if minor, it has no impact on your auto insurance rate. However, the problem is when you have multiple traffic tickets — they can increase your auto insurance premium. 

Myth #4: Comprehensive coverage protects you against everything

Perhaps, because of the name comprehensive, many people assume that comprehensive coverage protects you against everything. The truth is that comprehensive coverage protects your vehicle against physical damage from perils like theft, fire, falling objects, and several natural calamities but excludes collision-related risks.

Buy auto insurance today!

Are you looking for auto insurance in Spartanburg, SC and its environs? Please contact Allsurance Group for an affordable quote. 

Why should I get auto insurance in Spartanburg?

People that live in and around Spartanburg, SC will want to own a vehicle as it can make living in the city more efficient. As you are looking to buy a new vehicle, you need to make sure you consider your insurance needs. Owners of vehicles in this state should get an appropriate auto insurance policy for a few important reasons. 

Insurance Coverage Ensures Compliance with Requirements

One of the reasons that people here should get auto insurance is because they will likely have insurance requirements they need to follow. Most vehicle owners in South Carolina will have taken out a loan when they bought the vehicle. Along with the loan, they will have signed an agreement saying they will maintain full insurance protection. Further, drivers in this state need to have liability insurance to comply with the law. 

Insurance Protection Offers Valued Coverage

Even if you were not obligated to carry insurance, having it would still be a great investment. With an auto insurance plan, you will have the coverage needed to repair or even replace the vehicle following an accident. Additionally, you will have liability protection that will be helpful if you are ever found responsible for an accident that resulted in damages, which you would typically be responsible for.

Picking an insurance policy for your vehicle is very important. When you are in the Spartanburg, SC area and looking for a new plan, calling the team with the Allsurance Group would be a great idea. If you do call the Allsurance Group will get to learn a lot about how auto insurance will protect you and your vehicle. The team can offer you all the support and guidance that is needed to choose a new plan that is ideal for your situation. 

7 Auto Insurance Terms You Should Know

Auto insurance may not always be straightforward to understand and some terms might be confusing. It can be a good idea to speak with a reputable insurance agent to get a better understanding of what certain terms mean in your policy. At Allsurance Group in Spartanburg, SC, we have helped countless clients understand the ins and outs of their auto insurance policies. We have worked for years to find the most affordable rates of the highest quality auto insurance possible.

Auto Insurance Terms Worth Knowing

It is important to understand your insurance policy and what is covered. There are many terms used in auto insurance. Here are some common terms you may hear or see in your auto insurance policy:

  • At-fault Accident – This is when you are the cause of an accident.
  • Comprehensive Coverage – Pays to repair your vehicle after nonaccidental-related issues like fire or theft.
  • Deductible – A determined amount an insurer pays after a claim.
  • Full Coverage – Type of insurance that includes liability, comprehensive, and collision.
  • Primary Use – How your vehicle is most often used.
  • Underwriting – Method used by the insurer to calculate rates.
  • Limit – Maximum amount paid by your policy.

There are many more terms you might see and an experienced agent will be able to help you with any questions you may have.

Quality Auto Insurance in Spartanburg, SC

Contact us at Allsurance Group in Spartanburg, SC to speak with one of our agents about affordable auto insurance for your vehicles. We have years of experience helping customers get the best rates and policies to match their needs. We look forward to serving you in Spartanburg, SC.

Who should get an auto insurance plan in South Carolina?

The Spartanburg, SC area can be a great place to live. Those that are in this area of the state will find that the city offers a lot of great professional opportunities and fun recreational options in the area. One way to ensure that you are able to access all of these amenities, getting a car is a great idea. Along with a car, you need to get auto insurance in this area. There are several situations when someone should obtain this coverage. 

Those with Auto Loans

A scenario when someone should get auto insurance in South Carolina is when they want to take out an auto loan. If you have used a loan to buy a car there will likely be some insurance requirements that you need to meet. Most lenders will require you to carry collision and comprehensive auto insurance as it will properly protect their collateral. 

Those that Want to Drive

Even if you own a car without a loan you are still going to have auto insurance requirements. In the state of South Carolina, all people are required to carry liability auto insurance whenever they take a car out on the road. This coverage ensures that drivers can afford to pay for damages they could cause during an accident. If you do not have this protection, you will not be in compliance with state laws and could face several different penalties. 

When you are looking to get an auto insurance plan in the Spartanburg, SC area, it would be wise to call Allsurance Group. When you do call Allsurance Group you can learn a lot about your options. The team will assess your situation and give the guidance you need to pick a plan that properly protects you. 

3 Ways to Keep Your Car From Becoming a Target for Thieves

Your car is a valuable asset. With today’s advanced technology, it can be more difficult for a thief to gain access to your vehicle, but it does happen. Residents who live in Spartanburg, SC are able to learn proven techniques that will help them protect their vehicles from theft. The agents of Allsurance Group are constantly working to provide their clients with up to date information.

Keep Your Car Locked at All Times

Whenever you leave your vehicle, even if it is for just a few seconds, lock your car, and set your alarm. Most newer cars make this incredibly easy by simply double-clicking your remote. Locking your car not only prevents your car from being stolen, but it also protects any valuables you may keep in your vehicle.

Park in a Well-Lit Area or in a Garage

Parking in a garage is preferable because it provides the most protection. An alternative to parking in a garage is parking in a well-lit area. The more light around your vehicle, the less opportunity a thief has to try and gain entry without being seen. While it isn’t always effective, it’s your best option outside of an enclosed garage.

Keep Valuables Hidden

Another way to make your vehicle less appealing is to always hide your valuables. Put them in the console, glove box, or trunk. Most thieves target a vehicle by what they see when they look inside. If things are hidden, it may be the deterrent you need to keep your vehicle safe.

The agents of Allsurance Group can help Spartanburg, SC residents keep their vehicles more secure and safe from break-ins. Call them today and get the advice you need about keeping your vehicle from becoming a target.

Dangers of Compromising on Auto Insurance Coverage

Car owners in Spartanburg, SC are required to have auto insurance protection against accidents on the road. If you’re on a budget, you may be tempted to skimp on your coverage to save on premium costs. Compromising on your auto insurance can be costly over the long haul. By working with Allsurance Group, you can obtain quality coverage at affordable costs. Here’s why it’s important to get quality auto insurance coverage in Spartanburg, SC.

Covers Your Vehicle’s Repair Costs  

The right auto insurance coverage will help pay for your vehicle repairs in the event of an accident. A major accident can cause extensive damage to a vehicle or even result in total loss. Inadequate coverage could result in your paying for these damages out of pocket. In contrast, purchasing collision, comprehensive and uninsured motorist coverage will ensure you’re compensated for theft, collision damage, non-collision damage and damage caused by uninsured drivers.

Covers Liability Claims and Lawsuits

Liability insurance pays for injuries or damages you cause others in accidents that are your fault. Compromising on this coverage could result in your paying thousands of dollars’ worth of medical expenses or property damage out of pocket. If you’re sued for damages due to a serious accident, liability insurance protects your financial assets by covering your legal fees and settlement, up to the limits of your policy.  

Meets Auto Insurance Requirements

South Carolina requires that you have the minimum liability insurance required by law. Skimping on this coverage can not only be costly financially, but you also risk having your license suspended due to not complying with auto insurance requirements.

At Allsurance Group, we offer quality auto insurance coverage at reasonable prices to enable you to get the protection you need without breaking your budget. Call or visit us today for all your auto insurance needs.

How to Stay Safe on Your Summer Road Trip

If you’re planning to explore the beautiful state of SC this summer, you won’t be alone. Summer’s a time when people just naturally hit the road, making summer driving a challenge. These safety tips from Allsurance Group can reduce stress and accidents on SC highways. 

Plan Your Travels

Make a road trip plan that includes the routes you want to travel and the sites you want to stop and visit along the way. Book your campsite or hotels in advance so you’re not left stranded due to a lack of accommodations. When possible, avoid traveling on national holidays when roads are congested and hazardous for driving.

Do Routine Maintenance on your Car

Have your car serviced before your travels, making sure your mechanic checks the fluids, brakes, battery, tires, lights, and wipers. You don’t want to risk having a breakdown when you’re far from your Spartanburg SC home.  

Stay Focused When Driving

Stay focused on the road when driving. Turn off your phone or store it in the back where you’re not tempted to check texts or answer calls on the road. Take regular breaks and share the driving with others, when possible, to avoid driving tired. Drive defensively, watch out for motorcyclists, and be considerate of other drivers. 

Protect Your Car & Belongings

When stopping for meals or breaks, lock your car, and safeguard your belongings to discourage thieves from making you a target. 

Review Your Auto Insurance   

Make sure you have the insurance protection you need for road trip travels. Liability coverage is required by law to protect others in accidents that are your fault. By including collision, comprehensive, and uninsured motorist protection to your policy, you’ll have well-rounded coverage.

Contact Allsurance Group today for the auto insurance you need for summer travels.  We serve residents in Spartanburg, SC, and surrounding communities.

Why You Should Add Your Teenage Driver To Your Auto Insurance Policy

At Allsurance Group in Spartanburg, SC, we usually give our clients reasons why they should add their teenage drivers to their auto insurance policy. If you also have a teenage driver in your household, you may want to do the same because of the reasons given below.

1.    It is mandatory

In South Carolina, it is mandatory for every driver to be insured regardless of their age because they’ll pose a serious risk to other road users if they are not insured. So, once your child starts taking his driving lessons, you should start making plans to add him to your policy.

2.    It is more cost-effective

It will definitely cost you less than buying a separate insurance policy for him. Insurers believe that teenage drivers are riskier to insure. Furthermore, it has been established that auto accidents are the leading cause of death of teens within the age bracket of 15 and 19. 

So, it will cost you a lot of money to purchase a separate policy for your son. You’ll be paying your premium and you’ll also pay the premium for your teenage driver. This could put a strain on your income. That’s why we feel that it will be cheaper for you to add him to your policy.

3.    What happens if they are involved in an accident?

If your uninsured teenage driver crashes your car, injuring other motorists, and damaging his car, your insurer may not pay you a dime because you didn’t include him in your policy. In fact, they may accuse you of committing fraud. In such a situation, you may have to fix the third party’s car and foot his medical bills out of your pocket. 

Remember, you still have to fix your own car and take care of your son if he’s injured. The point here is that a single crash from your uninsured teenage driver could plunge you into debt. Don’t let the high cost of insuring teenage drivers prevent you from adding your son to your policy. See us at Allsurance Group in Spartanburg, SC, and we’ll give you tips on how to reduce the cost.