The transition of winter to spring in South Carolina is a beautiful one from one side of the state to the other. At Allsurance Group in Spartanburg, SC, we want our auto insurance customers to be prepared for the changing weather and prepare their cars for the approaching changes. 

Tire Inspection

As the warmer weather comes to South Carolina, the pressure will start to change. This pressure will alter the pressure in your tires and will need to be replenished. Have your tires inspected to ensure that they have the appropriate pressure levels. During this inspection, the technician should also inspect the tire tread and ensure that your tires are wearing evenly. 

Change Your Cabin Air Filter

Whether you are in Spartanburg SC or other parts of the state, the beginning of spring means that you can expect a thick yellow layer of pollen for several weeks. Before your favorite trees and flowers start to blossom, make sure that you have a new cabin air filter to keep the pollen from coming into the cabin of your car while driving. 

Check Your Air Conditioning

Because spring in the Palmetto state is very warm, it is essential to ensure that your air conditioning is ready for the rising temperatures. Have the system inspected and ensure that it is in working order to keep your cabin cool while you are traveling. Have your AC recharged to get the coldest air and your radiator inspected for leaks. Every two years, you should flush your radiator and have it filled with the proper solution of coolant and water to make sure that it is properly operating. 

Call us today!

If you are looking for auto insurance around Spartanburg SC, you can give our team at Allsurance Group a call or visit our online rating tool for your personalized policy quote. 

Allsurance Group serves residents who live in or near Spartanburg, SC. When it comes to auto insurance, they can provide you with the insurance you need so that you have the level of protection you want while still complying with South Carolina’s mandatory insurance requirements. In most cases, the type of insurance you have will be determined by the type of vehicle you drive and whether or not you own or are paying for a loan.

Comprehensive Coverage

Comprehensive coverage is designed to cover the car in almost every type of situation. This is the type of policy banks and lending institutions require while they hold the lien or title to the vehicle. This ensures that they will be reimbursed for the value of the car if it is totaled out before you have a chance to pay it off. Comprehensive coverage also covers the cost of items that are stolen if your car is broken into.

Collision Insurance Coverage

Collision insurance is the type of insurance normally purchased by a car owner once the loan has been paid off. This type of coverage will cover the cost of repairs if your vehicle is damaged in an accident. This type of policy will not, however, cover the cost of items that are lost due to theft.

In Spartanburg, SC, residents who want to make sure their vehicle is fully protected need to pay a visit to the agents at Allsurance Group. Each agent is highly trained and understands the benefits of each type of policy. If you have questions or would like to know more about how each type of policy works, call and schedule an appointment today!

It’s important to review your Spartanburg, SC automobile insurance policy every six months to ensure you are getting the right coverage for your needs. But did you know there are other times to review and potentially update your insurance information with your agent with the Allsurance Group? The following is a look at some of the other major life changes that often require an adjustment to an existing or upcoming automobile insurance policy:

Common Life Changes That Require Insurance Adjustments on Your Spartanburg SC Auto INsurance

• Marriage and divorce. When you get married or move in with your significant other, it often means that you’ll be sharing your car or theirs. Make sure to contact your insurer to have the significant other added to the authorized driver list. Likewise, if you get separated or have a divorce, then have them taken off to save money.
• Moving or otherwise changing where your vehicle is parked. Did you know that your insurance costs can differ depending upon where your vehicle is parked? In general, automobiles parked in secured garages will have a lower rate than those parked out on the street. As such, it’s important to alert your insurance agent whenever you move or change where you park your vehicle when not in use.
• Switching up your job or vehicle usage. If you change jobs and thereby change your commute, then you may want to talk with your Allsurance Group about the changes in daily mileage as it could change your rates. For example, if you start working from home then you may be able to change your policy to a low mileage one which would reduce your rates. On the other hand, if you start using your vehicle for carpooling or car sharing, then you may want to consider adding additional coverage to protect you in the event of an accident.

Learn More By Contacting Allsurance Group

Contact our team at Allsurance Group, serving Spartanburg, SC and beyond, for more information. 

Every state is unique when it comes to auto insurance requirements and the state of South Carolina is no different.  South Carolina drivers need to be aware of insurance requirements within the state when buying insurance. The Allsurance Group serving Spartanburg, SC can help you know what requirements exist.

Auto Insurance is a Requirement

When you go to get a driver’s license in the state of South Carolina, you are admitting to one of two things. You certify when you get your license that you have insurance through an automobile liability policy. It is either that, or you certify that you do not own a vehicle.  

Liability Auto Insurance Minimum Requirements

The state of South Carolina also requires vehicle owners to have liability auto insurance with certain minimum limits. This means your limits have to be, at least, these amounts.  The limits include the following:

• A limit of $25,000 for bodily injury or death of a single person in a single accident where the cause was from the owner or driver of the vehicle insured.
• A limit of $50,000 for total bodily injury or death liability when you are in a single accident which has a cause of the owner or driver of the vehicle insured.
• A limit of $25,000 for property damage per accident where the cause is the owner or driver of the vehicle insured.  

In addition to these, uninsured motorist (UM) coverage is a requirement in South Carolina. This will protect you if the at-fault driver in an accident has no insurance.

South Carolina auto insurance requirements must be a part of every insurance policy you buy. If you do not comply with state requirements, your auto insurance will not be adequate.  Work with the Allsurance Group to ensure your auto insurance policy complies. Serving Spartanburg, SC the group can help be sure your auto insurance checks all of the state requirements. 

Truck owners in Spartanburg, SC may love going off-road during the spring and fall, when the mud is thick and they can really throw it wide. However, these individuals may worry about what happens when they crash. Will a policy from Allsurance Group pay for this damage? The answer to this question may not be to all driver’s liking.

Mudding May Negate Your Policy

Here’s something that few people may not realize about their insurance: the moment that they go off-road, their policy is not in effect. Essentially, this kind of driving is considered negligent or dangerous because most vehicles were not designed for it. Insurance is designed to only cover driving that is reasonable and safe.

As a result, any accident that you suffer while off-road may be uninsured and cause serious financial issues. This coverage limitation only applies in situations like mudding, where you purposefully go off-road to ride. Driving on dirt roads isn’t considered off-road because, even though it is primitive, the path is considered drivable.

Off-Road Insurance is Available

However, drivers may be able to add off-road protection to their policy to improve their coverage and avoid serious complications with their truck. This type of coverage typically requires collision protection, bodily injury issues, and property damage.

Make sure to ask your provider for all of these options on your policy. Failure to have these options could cause issues if you crash into somebody, damage their home or vehicle, and injure them at the same time.

Get the Insurance That You Need

So if you love off-road racing and plan on mudding in Spartanburg, SC any time soon, please contact us at Allsurance Group. Our experts will find a plan that works for your needs and work to ensure that your care is insured when you go off-road.

Affordable auto insurance is on every Spartanburg, SC driver’s wish list. Driver discounts are one way that insurance providers help make their auto insurance policies more affordable to the public. Allsurance Group understands the importance of finding auto coverage that fits your wallet as well as your needs. Here are a few popular auto insurance discounts that’ll help you save money.

Good Driver Discount

Staying out of trouble has its perks, especially when it comes to your auto insurance. Most auto insurance providers offer sizable discounts to policyholders who remain accident-free and ticket-free for a certain period of time – usually 3 consecutive years or more.

Multi-Vehicle Discount

Owning more than one vehicle can also be in your favor when it comes to discounts. Insurance providers value loyalty and one of the best ways of demonstrating that is by insuring all of your vehicles on a single policy. The significant savings you’ll see by bundling your vehicles under one policy can be a big benefit if you’re on a tight budget by having multiple vehicles to ensure. Multi-vehicle discounts apply as long as you have more than one vehicle insured on the same policy and that vehicle is either driven by you or a family member in your household.

Affinity Group Discount

Sometimes, getting good discounts on your auto insurance is as simple as being a member of a participating group. Insurance providers offer discounts to affinity groups – businesses, clubs and organizations based on a common interest – in exchange for the group encouraging their members to buy insurance from a particular provider. Affinity group discounts can knock a significant amount off your annual insurance premium. Some affinity group discounts may require purchasing a less personalized insurance policy than you’d normally choose.

At Allsurance Group, our goal is to help tailor the best auto insurance coverage to your needs. Call us whenever you need our services in the Spartanburg, SC area.

Whether you’re a new driver or one with multiple years of experience, it’s always wise to be smart and make sure you are doing all you can to be safe on the roadway. Not only does being a smart driver help protect your safety, but it also helps ensure you optimize the safety for everyone else on the road, including any passengers you may have in the vehicle with you. At the Allsurance Group, serving Spartanburg, SC, we are all about being safe behind the wheel of a car, and we’d like to share three tips you can follow to make sure you are a smart driver. 

Never Drink and Drive

To be a smart driver, you should never get behind the wheel of a car and drink. Nor should you ever get behind the wheel if you have drunk more than the legal limit. And here’s the catch, there is no legal limit in regards to the number of drinks you can have. There is a legal limit, though, in regards to what your blood alcohol level can be. To be on the safe side, you should never drive if you have had more than three drinks in an hour.

Always Wear a Seatbelt

One of the smartest things you can do as a driver is to always wear your seatbelt. In addition, you should get in the habit of making sure you are making your passengers wear a seatbelt too. If you have young children riding with you, it’s your responsibility to make sure they are in a car seat or booster seat.

Pay Close Attention to the Road

To be a good and smart driver, you need to make sure you are not distracted. To minimize distractions, you will want to keep your cell phone on silent and make sure the radio is turned down to a reasonable level. 

To learn more about safe driving, contact the Allsurance Group serving Spartanburg, SC. Our agents can help look over your auto insurance policy and answer any questions you may have.

Auto insurance is a product offered by many insurance providers across the United States. One thing that each insurance provider has to deal with, though, is state requirements. Depending on the state where you reside, insurance requirements will vary. At the Allsurance Group, we work to serve our Spartanburg, SC clients and educate them to ensure each requirement is met.

Standard Insurance Coverage

There are a set of standard auto insurance coverages which need including as part of a policy. States are going to drive the minimum car insurance requirements for each of these types of policies.

• The first type of coverage is known as bodily injury liability. Bodily injury liability coverage offers protection when you are the at-fault party. In an auto accident, if you are liable for causing some type of bodily injury to another party, coverage kicks in.
• Property damage liability is another common coverage type for auto insurance. If you damage the property of another party, you are going to be covered up to the limit of this particular protection. The coverage is only if you are found at-fault for causing the property damage.
• The last common coverage type is personal injury protection (PIP). It is also known as no-fault coverage. When you are not at-fault for an accident and unable to collect from the at-fault party’s insurance company, coverage goes into effect.
• Finally, the fourth coverage is uninsured and underinsured motorist coverage. Not everyone has adequate auto insurance. An at-fault party may not have coverage to reimburse you for losses. If they have coverage below state minimums, this will protect you from eating the costs.

Shopping for a Policy

At the Allsurance Group, the team works to make sure that all of the state required minimums are satisfied with each auto insurance policy we quote. States dictate the requirements; the goal is to make sure they are in line. Serving Spartanburg, SC, be sure to reach out to our offices to learn more about a policy and how we can get you started.

One of the biggest myths out there about car insurance is that car insurance prices are based on the cost or value of the car, with some exceptions. As such, in theory, smaller cars should be cheaper to insure compared to larger cars or SUVs, as most are cheaper to buy than bigger cars. Here at Allsurance Group, serving the greater Spartanburg, SC area, we want to dispel the myths surrounding car insurance. Here are two reasons why bigger cars may be cheaper to insure, even though they are more expensive than many smaller cars. 

Larger Cars Are Involved in Fewer Accidents

One of the reasons why it may be cheaper to insure a larger car compared to a smaller one is that bigger cars are involved in fewer accidents than smaller ones. It is unknown exactly why this is, but many people think it is because people can see larger cars easier than smaller cars. It is harder to have a larger car in your blind spot or miss it. 

Larger Cars Sustain Less Damage Than Smaller Ones

The second reason why it may be cheaper to insure bigger cars is that larger cars sustain less damage in an accident compared to a smaller car. The more damage that is sustained, the more costly the repairs are. As such, smaller cars cost more to repair, which drives insurance costs up for smaller cars. 

There are many factors that go into determining how much car insurance will cost. The price or value of a car is not the only factor used. If you are looking to purchase a new auto insurance policy, contact Allsurance Group, serving the greater Spartanburg SC area. We can help to price out different policies and find you the policy that best meets your needs. 

Allsurance Group agents in Spartanburg, SC are specialists in auto insurance policies and can compare and contrast the difference between no-fault and fault policies. The philosophy behind no-fault insurance is to avoid lawsuits by limiting the liability of the parties in a car accident and not requiring the parties to prove who was the cause of the accident or who was at fault. Twelve states and Puerto Rico are no-fault insurance jurisdictions. South Carolina is not a no-fault jurisdiction and permits lawsuits.

Standard No-Fault Policies Have Three Sections:

Personal Injury Protection (PIP)

• If anyone is injured, PIP pays the medical costs up to the state’s limits of the lost earned income for up to a certain number of years. For instance, Michigan’s PIP is 85% of the earned income which is reimbursed but only up to three years with a present maximum of $5,541/month.

Property Protection (PPI)

• No-fault pays up to a certain limit for damage a car may be responsible for to the property of others, including damage to buildings and parked cars.

Residual Liability Insurance – Bodily Injury

• Thus, in no-fault jurisdictions, even if there is a bodily injury to the drivers or passengers, no lawsuits are permitted because the liability of those who were operating the car or cars is limited by the limits of the no-fault insurance policy. As a result of no-fault insurance, insurance premiums are reduced as a result of the elimination of significant civil judgments. However, while lawsuits are prohibited there generally is an exception if a person is killed, disfigured, or injured severely.

Allsurance Group in Spartanburg, SC will cover your back and advise you through the car insurance policy process. Please contact us and have your questions answered!