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.

Having teens out on the road is a scary thing, not having enough insurance if they get into an accident is even scarier. There are a few different considerations that you should take when insuring your teen driver and the agents with Allsurance Group in the Spartanburg, SC area can help.

Time on the Road

The first thing to consider of course is how often your teen driver will be on the road and what their current level of experience is. If they have their license and have been driving for a while with no accidents, you may not need as much coverage. Also, if your teen is driving a new car versus an older car you may need more coverage. Not only to keep your teen safe but also to protect your investment in the car.

Another thing to consider is where you live

If you live in an area where there is a great deal of traffic and where your teen is going to come into contact with a large number of other drivers, you may need more coverage. You should also take the time to consider what car your teen will be driving and where they will be driving.

No matter what you answered to the above circumstances, you need at the very least basic liability coverage on your teen and the car they will be driving. If you are allowing them to drive a car that they will not own, you can add them to your policy and list them as a driver on a car that you already have insured. The real issue is to make sure you have enough coverage to be both legal and safe on the road. The agents with Allsurance Group can help those in Spartanburg, SC, and the surrounding areas, get the coverage they need.  

Road trips are a great way to spend quality time with your family. By taking necessary precautions, everyone can have a safe and enjoyable time. Here are a few ways to make safety a priority on the road.

Review Car Insurance Policy

Review your auto insurance from Allsurance Group in Spartanburg, SC to make sure you’re up to date on your coverage. Having adequate insurance will give you greater peace of mind as you travel.  

Make Sure Everyone Buckles Up

Using seat belts can cut fatality risks in half in the event of a serious accident. Children, in particular, should be buckled up for safety. Children 5 and younger are required to travel in safety restraint seats in South Carolina. If you plan to travel out of state, you should check their requirements before heading out on the road.

Inspect your Vehicle

Vehicle prep is a must before going on the road. Have your car inspected to make sure it’s road worthy for long distance travels. Make sure your mechanic checks your tires, fluids, brakes, transmission, steering and engine. If you need an oil change, get it done before your trip rather than after.

Pack an emergency travel kit with items you may need in case of trouble, i.e. flashlight, batteries, jumper cables, oil, tire sealant, coolant, basic tools, and extra fuses. A good GPS and road map will help you reach your destination safely.  

Get Sufficient Rest

Get enough rest the night before traveling and take breaks periodically during your trip to stay alert while driving. Share driving responsibilities with your spouse or someone else you trust if you start to get drowsy.  

Safe driving and good auto insurance coverage from Allsurance Group in Spartanburg, SC will keep you well protected on the road. Reach out to us today to find out about our various auto policies.