Car Insurance

Flooding in the Charleston, SC, area is nothing new. High tides – especially when mixed with heavy rains – can result in significant flooding in certain areas of the city. A tropical storm, hurricane or even a historic rainfall can leave plenty of vehicles underwater.

Flood water is a nasty mix of dirt and water that can significantly damage your car’s exterior and interior as well as the inner workings. If you live in an area prone to flooding, move your vehicle to higher ground if possible.

Also avoid driving through standing water, which is not only dangerous but can significantly damage your vehicle if water gets into the engine.

Sometimes, though, a flooded vehicle is unavoidable. So what should you do if your car gets flooded?

Contact the insurance company as soon as possible. Especially if a catastrophe has hit your community and many people have flooded vehicles, you’ll want to get in touch with your insurance company quickly. This way you’re one of the first in the claims processing line.

If you have comprehensive insurance, the cost should be covered by your Charleston, SC, car insurance company. If you only carry liability insurance coverage, though, you’ll be paying for the repairs (or a new car) out of pocket.

In situations like these, it’s important to weigh the pros and cons of have full coverage versus liability insurance. The liability coverage – which takes care of any damage you cause in an accident – may cost you less when it comes to premiums. But when something like a flood hits, you could be faced with the cost of paying for a whole new vehicle or a high repair bill.

Try to avoid further damage. If the windows are broken, cover them with plastic or cardboard. Don’t start your vehicle as that can cause more damage. Also get the car dried out as quickly as you can. This may help you avoid a total loss as well as developing mold. Be sure to contact a professional for assistance; don’t try to dry your car on your own.

Take photos of your vehicle. Be sure to capture photographs of your car inside and out, the flood waters and any surrounding damage. If insurance companies are processing a lot of calls after a hurricane, for example, it may be a few days before they get to you so it’s a good idea to document the incident as soon as it’s safe to go outdoors.

Use your insurance company’s preferred auto repair or body shop. Even if a flood-damaged car has been repaired, it’s at a greater risk for problems that develop down the road. By using your Charleston, SC, car insurance company’s preferred provider, then the work is probably guaranteed. Be sure to confirm that guarantee with both the insurance company and the repair shop and ask how long that guarantee lasts.

An important step is to make sure you have adequate coverage long before you need it. At least once a year, assess your Charleston, SC, car insurance coverage and make certain you understand the policy and what it covers. If you’re not satisfied, don’t hesitate to get additional quotes from other car insurance companies.

If you need to switch or upgrade your policy, don’t wait until a hurricane is on the way. Insurance companies may put restrictions on purchasing insurance is there’s a tropical storm or hurricane in the imminent forecast.

Learn more about Manning Insurance Services’ Car Insurance Policies.

Car insurance – and really all forms of insurance – fall into the same category: you hate paying for something you might not need, but when tragedy strikes, you’re happy you have it. So how do you keep costs down while maintaining needed insurance?

Start by figuring out how much coverage you actually need. You’ll want to have at least what’s required and then you can assess whether it’s worth the extra expense to purchase additional types of coverage.

When it comes to South Carolina car insurance, the state does require minimum amounts of liability coverage:

• $25,000 bodily injury per person. This protects you against the claims of other people who are injured in an accident for which you were at fault. Those claims could include medical expenses and lost wages as well as pain and suffering.
• $50,000 bodily injury per accident
• $25,000 property damage per accident. This pays for any damage you cause to the property of others. This form of auto insurance coverage includes damages to other vehicles as well as property such as buildings, walls, fences and equipment.

The state does require uninsured motorist coverage, which would help protect you in the event you’re struck by a hit-and-run driver or a driver who doesn’t have auto insurance. Do note, this coverage has a $200 deductible. If your auto insurance carrier is able to collect their payout from the uninsured motorist, you should be refunded your deductible.

Underinsured motorist coverage, on the other hand, is not required by South Carolina. This type of coverage takes care of any medical expenses if you’re in an accident, and the other driver is at fault but doesn’t have enough auto insurance.

Other forms of car insurance are collision coverage and comprehensive coverage. These two types of polices are not required for South Carolina car insurance. But, if you’ve purchased your car with a loan, your lender will almost certainly require one or both of these forms of coverage.

So, what’s the difference? Collision coverage pays for the physical damage to your car as a result of a collision with another vehicle, a tree or other object. If you have an older vehicle, the cost of repairs could easily exceed the car’s value. In this case, insurers will often declare a car “totaled” and simply pay you the cash value of the car rather than the higher cost of repairs.

Comprehensive coverage pays for damage from basically anything beyond a collision. This could include fire, vandalism, theft, hitting an animal or damage from a natural disaster such as flooding or tree hitting your car during high winds.

Comprehensive coverage does cover broken glass and damage to your windshield (such as a rock hitting the windshield while you’re driving). An important note regarding South Carolina auto insurance: the deductible for safety glass does not apply so if you have a cracked windshield, get it fixed without having to pay any deductible or portion of the cost. Liability coverage does not cover a broken windshield.

Sorting out the various South Carolina auto insurance requirements can get confusing. That’s where a qualified car insurance company is valuable. Select a company willing to take the time to walk you through the various policies to ensure you have the required coverage as well any other coverage that makes sense for you. It’s also important to shop around and to shop annually for car insurance so you know you’re getting the best available deal.

By having the appropriate amount of coverage, you can keep your costs down while feeling secure knowing you’ll be properly covered in the event of an accident.

Learn more about Manning Insurance Services‘ Car Insurance Policies.

Once simply a scene from something like “The Jetsons” self-driving cars seemed, frankly, unrealistic. Fast forward to 2016 and self-driving cars are no longer a futuristic fantasy. According to Business Insider, an estimated 10 million cars with self-driving features will be on the roads by 2020. Google is already testing these vehicles in California.

With the addition of self-driving cars, does this mean the end of vehicle insurance as we know it? It may seem that for as long as we have cars we’ll need a means to insure them. But pause to consider that 90 percent of all traffic accidents are the result of human error, according to the International Organization for Road Accident Prevention.

That means things like driving under the influence, speeding or simply rear-ending another car at a traffic light account for the vast majority of accidents – certainly more than a vehicle malfunction. So if computers were driving cars rather than accident-prone, distracted-driving humans would we see a drastic reduction in auto accidents? If drivers aren’t making mistakes and causing wrecks, why would they need auto insurance?

Insurance companies could lose billions in premiums, and it would certainly be tough to fault a driver who wasn’t actually driving. As a result, insurance companies would need to rethink the entire way they sell insurance.

There’s a chance companies would establish rates based more on the type of car you’re driving rather than your driving record and accident history. Auto insurance companies already take into consideration the make and model of your car as well as its age when setting vehicle insurance rates. Check out the 10 least expensive cars to insure in 2016 for details on which models are cheap to insure.

Another idea is to have vehicle manufacturers bear the liability. If an accident is the result of a computer error, then the manufacturer that installed the computer would be at fault. It would be the same if the air bag or brakes failed as a result of manufacturer negligence.

Additional driver safety features such as automatic braking and lane correction, are becoming key features of new cars – which means the presence of autonomous vehicles available on car lots is just around the corner.

There’s no doubt self-driving cars will shake up the insurance industry. States could change insurance requirements and fewer people may need full coverage. It will most likely cause auto insurers to revisit plan structure and overall pricing. Even people who opt to keep driving their car themselves would benefit from lower premiums and different insurance plan options.

Plus, these smart and connected vehicles are capable of capturing a lot more information about driver habits. Think of it as a sort of black box found in airplanes. Computers in cars could record the seconds leading up to a crash to more accurately determine who is at fault. This also means that insurance companies have more information and could offer the safest drivers even better rates.

For now, the concept of self-driving cars bringing an end to auto insurance remains to be seen, but as quickly as the technology is developing, it’s going to require some quick thinking on the part of auto insurers. The good news is that self-driving vehicles could make the roads and highways much safer and lead to more options when it comes to selecting auto insurance.

Learn more about Manning Insurance Services‘ Car Insurance Policies.

It’s certainly tempting to do whatever you can to save a few bucks on car insurance. If you’re a cautious driver and haven’t had many accidents, you may be wondering what’s the point of paying for something you rarely use. What’s the benefit versus the risk of selecting the least expensive auto insurance you can find? Is cheap car insurance in SC really worth it?

No matter where you live, you’ll be required to have some kind of minimum car insurance. In South Carolina, minimum liability coverage is:

• $25,000 bodily injury per person, which protects you against the claims from those who are injured in an accident for which you were at fault.
• $50,000 bodily injury per accident.
• $25,000 property damage per accident, which pays for any damage you cause to the property of others.

Auto insurance companies are required to provide this minimum coverage, so if you’re shopping around and find a company that doesn’t offer this, look elsewhere.

Consider the following to determine if cheap car insurance in SC makes sense for you:

How old is your vehicle? If you have an older model car, liability insurance may be sufficient. If your car sustained significant damage, would it even be worth the repairs? If not, then cheaper liability insurance is a good choice.

How much do you use your car? Maybe you have an older pickup truck perfect for weekend projects but it’s not your everyday, drive-to-work vehicle. Full coverage on a vehicle you don’t drive regularly – especially if it’s an older car – is most likely not the best use of your funds.

Who’s doing the driving? If you have a new teen driver in the house who will be driving the vehicle to school, sports practice or a friend’s house, you might want to spring for added coverage. Teen drivers tend to be involved in more accidents and vehicle mishaps so skimping on your insurance coverage could cost you in the long run.

Where are you driving? Small town, country living probably puts you at less risk for an accident than if you’re commuting up and down a busy highway every day. Also, do you live or work in a high-crime neighborhood? Extra coverage may be worth it if you’re at greater risk for theft or vandalism.

Carrying liability coverage – which covers damage to another person’s vehicle if you cause an accident – can be perfectly appropriate in many instances. But consider what might happen if you rear-end a top-of-line vehicle worth hundreds of thousands of dollars and you only have liability insurance. Well, you might have to pay the difference between what the insurance covers and the cost of the repairs – ouch.

Also, if you have a newer vehicle, an expensive model of car or even a vintage car you use for weekend road trips, you could be in a tough spot if you have only liability coverage.

It’s important to do your homework and think through potential scenarios are you’re deciding whether cheap car insurance in SC is a great deal or whether it will cost you in the long run.

Before you make a decision, shop around and get at least three quotes from insurance companies. Also, make sure you’re dealing with a reputable company. What do the online reviews say? Can you reach a live human with your questions or in the event you need to file a claim? A car insurance company that has cheap rates but terrible customer service isn’t a good choice.

And be sure to ask about possible discounts. Most companies have discounts for multi-car households, a safe driving record, having a vehicle with safety features as well as good student discounts for teen and college-age drivers.

Learn more about Manning Insurance Services’ Car Insurance Policies.

Applying for a house loan? Getting a new car? Buying living room furniture on credit? In these situations, people expect a lender to check their credit score. But what about when you’re getting car insurance? Do credit scores affect car insurance? You may think the answer is no, but, many states – including South Carolina – use your credit score as a basis for determining your insurance premium.

Banks and mortgage companies review credit scores as a way to determine the likelihood someone will pay back a loan. Car insurance companies, on the other hand, look at credit scores to determine the likelihood a customer will file a claim.

According to a Consumer Reports Special Report on car insurance, the average difference paid by drivers with good credit scores versus those with the best scores is $214. And that number can be much greater depending on where you live.

For car insurance in South Carolina, Consumer Reports looked at the premium rates for the average new customer – a single adult driver with a clean driving record. If that driver has an excellent credit score, the premium is $1,300 versus $1,520 for a good score and more than double at $3,339 for a driver with poor credit. To put that into perspective, a driver with excellent credit and a DWI conviction is paying $2,210 – still less than the person with a good driving record but a poor credit score.

Insurance companies don’t have to tell you if they’ve looked at your credit score or if they’ve selected certain elements in a credit report to create their own, customized score. This means consumers may not even realize how their credit score affects car insurance in South Carolina.

So, what can you do?

Pay attention to your annual premiums. Too often people simply pay the bill without reviewing it carefully to see how it might have changed from the previous year. If you notice a significant premium hike, but you didn’t have an accident, add a family driver or get a new car, it’s worth asking about the price increase.

Monitor your own credit score. Once a year, get a free copy of your credit reports from all three credit bureaus at annualcreditreport.com. You can check for any discrepancies or signs of identity theft. If there are errors, you can request a new score.

Do you best to maintain excellent credit or work to improve your credit score if it’s low. Not only will this help your car insurance premiums, but it will be beneficial should you apply for a mortgage loan or need a new car.

Request an extraordinary life circumstances exception should you experience an uncontrollable life event that would impact your credit score, such as job loss, divorce or the death of a spouse. Legislators strengthened these exceptions in state laws during the Great Recession after concerns people would be hit with higher insurance premiums after the large number of layoffs and consistent unemployment. Under this provision, consumers can request insurers not use a credit score against them in situations where a drop in the score is beyond their control.

Shop around. It’s always a good idea to get price quotes from other car insurance companies every year or two. Don’t assume you’re getting the best price simply because you’re a long-time customer. And as you’re shoppping for car insurance in South Carolina — where auto insurance premiums can vary widely based on credit scores – get quotes from at least three companies so you know you’re getting the best deal.

And as you’re gathering those insurance quotes, do your own research on how credit scores affect car insurance in South Carolina. Check out the WalletHub.com’s 2016 report on car insurance prices by credit score.

Learn more about Manning Insurance Services’ Car Insurance Policies.

Have you ever considered installing a dash cam in your car?

Dash cams, or dashboard-mounted cameras, are video cameras that automatically record footage of the road in front of you when you turn your car on.

While using a car camera for safety reasons may seem like a no-brainer, there are a few implications you should consider before deciding whether or not you want to install one in your vehicle.

Pros: Why You Might Consider a Dash Cam

There’s certainly a few positives when it comes to using a dash cam in your car. If you can afford the extra expense, you might find it worth it to pick up a dash cam for a few key reasons.

• Camera footage could strengthen your defense in court or in an insurance dispute. There’s no guarantee, but having extra visual proof to back up your case certainly won’t hurt if you ever have to dispute a claim for an automobile accident.
• You’ll have proof if you suffer a hit-and-run. While dash cam footage isn’t necessarily more reliable than post-accident photographs of automobile damage, they’re great backups for when you don’t have the chance to take such photographs at all.

• A dash cam is like a GoPro for your car. Dash cams don’t always have to be such serious business. Use it to record your road trip and save the footage as a video diary of all your special moments on the road.

Cons: Why You Might Not Need a Dash Cam

Now that we’ve covered the positive side of dash cams, let’s look at some other factors you should consider before making the trip to the local auto shop.

• Dash cams don’t prevent accidents. It’s important to remember that–while dash cams might give you an added sense of security should you ever suffer from an automobile accident–dash cams themselves won’t prevent accidents and won’t protect you in any way during an accident.
• Dash cams likely won’t lower your car insurance Why not? Although many people think of dash cams as an added security measure–which, logically, should lower the cost of your car insurance policy–it’s not quite as simple as that. Since most of them only face forward and shoot footage that’s often not of the highest quality, there’s never any guarantee that a dash cam will capture all the information your provider needs to prove exactly who or what caused an accident.  We invite you to learn How to Find Cheap Car Insurance in SC

• There are legal implications. Size should certainly be a factor when shopping for dash cams, as equipment that limits your visibility while driving could land you in a bit of trouble. And since some states have laws regarding where you can and can’t record audio or video footage, you’ll have to do a bit of legal research to make sure you’re using your dash cam lawfully. 

Should You Buy One?

So which route should you take?

We’ll leave that up to you. There’s strong arguments to both sides–and while you don’t necessarily need a dash cam in your car and while we doubt that it’ll lead to any signifiant savings with your car insurance policy, it certainly wouldn’t hurt to invest in one if it fits into your budget. After all, the extra peace of mind you’ll get from knowing you’ve got video proof on your side after an automobile accident could be worth every penny.

Learn more about Manning Insurance Services‘ Car Insurance Policies.

Most people would rather do just about anything than delve into car insurance paperwork. It can be overwhelming to compare polices, premiums and the varying procedures for each company. Despite being a somewhat daunting task, plenty of people are opting for DIY insurance shopping online.

But at the end of the day, are you making the most informed choice? Do you really know how to best shop for insurance? You may be wondering, “Can an auto insurance broker save me money?”

The first step is to understand the difference between an auto insurance broker and an agent. A broker is an independent contractor who can write policies for multiple companies, whereas an agent works for one company and writes policies for that company only.

An insurance broker will be up to date on the latest regulations and rules in the insurance industry along with policy changes and new offerings. Plus, brokers can truly shop around, comparing a variety of policies from a variety of companies. They can walk you through the options, explaining the various nuances of each policy and helping you determine which is best for your needs.

Brokers also can help you determine if you qualify for certain discounts, and auto insurance brokers may have the inside scoop on deals and special offers the general public may not know about – another great way to find cheap car insurance in S.C.

Lastly, a broker can be helpful in the event you need to file an insurance claim, offering support and advice to navigate the process.

Having an experienced professional who knows the industry and what’s available in the market will almost certainly save you time, which may very well save you money if that means less time away from your own full-time job.

A broker can compare all the deals to ensure you get the best auto insurance coverage at the very best price, which should be a better deal than your current policy.

The real cost-savings consideration comes into play with the broker’s fees. Most brokers do charge a fee for their services so you’ll need to decide if paying the fee to get cheaper insurance translates to long-term savings.

If you do opt to work with a vehicle insurance broker, follow these tips:

• Make sure the person does have an authorized license to work as a broker in South Carolina. You can also research the broker with the South Carolina Department of Insurance or the Better Business Bureau.
• Ask how the broker is paid. Most receive a commission on any products they sell, plus they may charge an additional service fee. Make sure you understand the fee breakdown and exactly what’s covered by the costs. For example, find out if they charge for an annual policy review or if you need assistance filing a claim.
• Inquire about the broker’s experience in the industry and training.
• Assess whether the broker takes the time to get to know you and your insurance coverage needs. Or is he or she out to make a fast sale? You’ll want a representative who is working for you and helping you get the best insurance deal.

As with any insurance purchase, do the same thorough research to find a credible broker and then ask plenty of questions to determine if an auto insurance broker truly can save you money.

Learn more about Manning Insurance Services‘ Car Insurance Policies.

Buying car insurance should be nice and easy, right? Well, it’s a little more complicated than that. Policies and rates vary depending on the age of your car, your driving record and even your credit score. So as you’re shopping for car insurance in Summerville, SC, take time to do your research and then sit down with your agent to ask these five essential questions.

1. What coverage is required?When it comes to insurance, you want to ensure you’re properly covered in the event of accident. But, at the same time, you don’t want to overpay for car insurance in Summerville, SC. Consult with your agent about the best coverage at the best price.

Start with minimum amount of liability insurance required by the state of South Carolina. If you’re financing your car through a bank or vehicle manufacturer, you’ll likely be required to carry additional liability and comprehensive insurance. If your vehicle is older (usually over 7 years old), you may not need to carry as much collision insurance.

2. Does my credit score impact my insurance rate?It’s not common knowledge that car insurance companies will use your credit score to set your insurance rates. They will review your credit scores to determine the likelihood that you’ll file a claim. Drivers with excellent credit are seen as less likely to file a claim and will be given better rates. The difference varies depending on where you live but averages $214. Car insurance companies don’t have to tell you they’ve been looking at your credit score, so put it on your list of questions to ask.
3. What discounts are available?Oftentimes insurance companies will offer a variety of discounts, but they aren’t always widely advertised so don’t hesitate to ask. Common car insurance discounts include safe driving, good student and discounts for having safety features on your car. You may also qualify for a discount if you bundle your car insurance in Summerville, SC, and homeowners or renters insurance under one company.
4. What happens if my car is totaled?You may have an older car that’s in great condition with low mileage, but the car insurance company only will look at the depreciated value of that vehicle if it’s totaled in an accident. If you have a new car – one you’re still paying for – you may want to consider purchasing gap insurance, which will cover the gap between what the car is worth and what you still owe.
5. What can I expect in the claims process?It’s not uncommon for insurance companies to roll out the red carpet when they’re courting your business. But once the deal is done, will you receive that same level of top-notch customer service? Ask about the process for filing a claim – is it online or via phone? Find out the average time for getting a claim processed and resolved.

You also can do some of your own research in this area, checking online review sites, the company’s Facebook page or other social media accounts. If multiple people are similar complaints about problems with the claims process and customer service, you may want to continue shopping for car insurance in Summerville, SC.

As you’re shopping around for car insurance, make sure you ask each agent these five questions so you can compare answers and determine the best insurance for your budget and lifestyle needs.

Learn more about Manning Insurance Services’ Car Insurance Polices.

When you’re shopping for a new vehicle, don’t get so caught up in all the bells and whistles that you forget about insurance costs. If you’re upgrading from a 10-year-old vehicle to a brand new car, your insurance premium will rise. And you may need additional coverage, especially if you’re financing the car with a loan.

Before you decide on your vehicle purchase, sit down with your insurance broker to discuss potential changes to your policy, premium and deductible so you have a complete understanding of all the costs involved in your new car purchase.

Start with these five questions about the insurance impact of a new car:

1. What kind of insurance do I need?

At a minimum, you’ll need liability insurance, which covers repairs or legal fees should you cause an accident. If you’re using a car loan, you’ll be required to purchase full coverage, which includes both collision and comprehensive insurance. Collision covers repairs to your car regardless of who caused the wreck. Comprehensive pays for any non-collision damage, such as fire, theft or a natural disaster.

Other types of insurance include uninsured motorist protection, personal injury protection to cover medical costs or lost wages, and gap coverage to cover a car loan balance should you total the car before it’s paid off.

2. What is my deductible?

Most insurance policies have a deducible – the amount you pay before the insurance kicks in. Deductibles can range from $100 to $1,500. Usually the higher your deductible the cheaper your premium (your semi-annual or annual fee). You can talk with your insurance broker about your driving history and habits and whether a higher deductible is right for you.

3. Am I eligible for discounts?

Most insurance companies offer discounts or credits, ranging from good student discounts, credits for safety features such as air bags as well as military or senior discounts. Also by bundling your auto and homeowners insurance with one company, you may be eligible for savings. A good insurance broker will be up to date on the available discounts, so you can take advantage of as many as possible.

4. What is the claims process?

With insurance companies offering so much online these days, it’s important to understand the claims process as well as the available customer service. Work with your insurance broker to find a company that provides 24-hour service. There’s nothing worse than being in an accident on Friday evening and having to wait until Monday morning to contact the insurance company. A broker – who works with a variety of companies – should have a good sense of which companies have the best service record and which ones process claims quickly and efficiently. No one wants to spend months haggling over an insurance claim.

5. How will the kind of vehicle I purchase impact my rates?

Your insurance rates will vary with the make and model of vehicle you choose. For example, Hondas and Jeeps are among the top 10 least expensive cars to insure. On the flip side, the Dodge GT Viper plus various Mercedes and Porsche models are among the most expensive cars to insure. Work with the insurance broker to compare costs based on the vehicle models you’re considering. You still may be able to get something very similar to your dream car, but with a less expensive insurance price tag.

Everyone loves to save a few dollars, especially when it comes to those must-have items like car insurance. And with so many companies promising savings, it can be tough to know which company has the better deal.

But don’t be swayed by price alone. You also want to ensure you’re getting proper coverage and reliable, timely customer service. So follow these five safeguards when shopping for cheap car insurance in South Carolina.

1. Shop around and compare. Don’t sign up with the first auto insurance company you think has the cheapest car insurance or the one with the flashiest ads and funny sales pitch. Request quotes from at least three companies so you can compare rates, policies and coverage. You’ll want to make sure you’re getting not only the insurance required under South Carolina law, but also a policy that will truly cover costs in the event you need to file a claim.
2. Work with an experienced agent. The internet is filled with insurance companies boasting cheap insurance in South Carolina, but that doesn’t mean they’re all qualified, knowledgeable and ready to help. One of your best safeguards is to work with a reputable company staffed with professional agents who can help you select the most appropriate coverage as well as help you through the often-complex claims process should you be in an auto accident.
3. Be wary of scams. Unfortunately, many companies promise cheap car insurance in SC– especially through online ads or emails – but their sole motive is making money. These companies aren’t interested in providing quality insurance at a good price, and customer service is low on their priority list. If a price seems too good to be true, it probably is.
4. Do your homework. If you’re not familiar with the company or something about the policy seems questionable, research the business through the Better Business Bureau. You also can check with the South Carolina Department of Insuranceto see if the company has had any complaints and to verify it’s licensed to insure customers in South Carolina. And if a company asks you to pre-pay for services in cash or via a wire transfer, end your contact with that company quickly. Another simple way to check up on a company’s reputation is by visiting its social media accounts or any online review sites so see what others are saying.
5. Don’t settle for the minimum policy. South Carolina requires minimum limits of liability coverage, including $25,000 bodily injury per person and $50,000 bodily injury per accident. As you’re shopping for cheap car insurance in South Carolina, you’ll want to make sure companies are offering at least these required basics, but you may want to invest in a policy that covers you in more situations, such as personal property coverage if your car is broken into or stolen. You may find selecting a barebones policy now will come back to cost you big bucks down the road.

You shouldn’t automatically dismiss a good price as a scam, but it pays to be smart and follow these safeguards when shopping for cheap car insurance in South Carolina.

Learn more about Manning Insurance Services‘ Car Insurance Policies.

Sending off that final car payment is a great feeling. Suddenly you have a few hundred extra dollars each month to use on other much-needed expenses. The trick is to stretch out that no-car-payment lifestyle as long as possible.

The best way to do that is by taking good care of your vehicle so you can watch the odometer successfully reach 150,000 miles or more. One of the most effective – and simplest – ways to help your car last is with regular maintenance and care.

Here are five proactive steps to keep your car running longer:

1. Change the oil.It’s the easiest car maintenance step whether you do it yourself or stop by an oil change shop. Nothing ruins the engine faster than neglecting to change the oil and oil filter. Do note, if you are changing the oil yourself, make sure you know what you’re doing. Otherwise, use a professional so you don’t make a costly error. Also, note the date the oil was changed, so you can keep track of when you need to schedule the next oil change. Some newer vehicles will automatically alert you at the recommended mile marker. If you’re unsure about how often to change your oil, check the owner’s manual for a prescribed maintenance schedule.
2. Take care of the brakes.Brake fluid is inexpensive so replace it and the bleed system annually. Brake fluid attracts moisture, which causes the brake components to corrode and fail. Hoses, calipers and sensors are pricey so it pays to change the brake fluid and avoid potentially expensive repairs.
3. Don’t ignore problems.Check engine light flashing? Brakes making a funny noise? It might be tempting to overlook strange noises or dashboard warning lights, but the longer you put off potential issues the more costly they can be. Fixing an issue early on or discovering the flashing light is simply a computer malfunction is much easier and cheaper than ignoring an engine problem until you’re stranded alongside the road.
4. Don’t neglect the exterior. Keep your car washed, waxed and clean. This will protect the paint and guard against rust, especially if you live in or regularly visit an area with snowy conditions and salt on the roadways. The same goes for people who live in coastal areas where their cars are regularly exposed to ocean air. The saltwater can damage the paint. Regular washes and a good coat of wax will help keep the exterior looking new and save you the cost of rust repairs or a new paint job.
5. Follow the guidebook.Check the owner’s manual for recommended repairs and a timeline for routine maintenance like oil changes or swapping out the air filter, timing belt or spark plugs. That information is there for a reason and each vehicle may be slightly different. Familiarize yourself with your model’s maintenance schedule and then keep a log in the glove box or set a calendar reminder so you don’t forget about things like oil changes and brake checks.

When a vehicle is new, we tend to treat it like our baby. Then as vehicles age, we’re less concerned about oil changes and timing belts. But that routine maintenance and care will pay off in the long run. Taking proactive steps to keep your car running longer is one of the best ways to not only extend the life of your vehicle, but also save you potentially thousands of dollars in repairs.

Watch TV for 10 minutes and you’ll quickly find that switching to a particular car insurance company can save you 10 percent or 15 percent. Everyone knows that, right? But is anyone actually switching to a new insurance company?

Very few people bother to review their auto insurance policies annually, even though they really could save money. A June 2015 survey for insuranceQuotes.com found 66 percent of policyholders never or rarely shopped around for cheaper car insurance.

The survey also discovered the average American has been with the same vehicle insurance company for a dozen years with 14 percent sticking with one insurer for 20-30 years or even longer. Certainly these companies appreciate the loyalty but are customers missing out on the opportunity for greater savings simply because they don’t take the time to comparison shop?

Here are five reasons to shop annually for cheap car insurance in S.C.:

1. Your rate may have gone up and you didn’t even notice. Many people pay their car insurance in south Carolina six months at a time or they have it set to auto-pay from their bank accounts. That’s certainly more convenient than remembering to pay the bill monthly, but it also means you’re not paying as much attention to the cost and how it might be increasing year to year.
2. You’ve had a change in your family life. Maybe you got married or added a new teen driver to the mix – both of which can impact your insurance. If you’ve married, it may be more cost effective for you to merge your car insurance policies to one company.
3. Are you missing great discounts and incentives? Many car insurance companies offer special savings opportunities for safe drivers, good students and members of the military or veterans. As you’re shopping for insurance, don’t forget to ask about available discounts and make that part of your decision. Qualifying for discounts with one auto insurer could translate into savings that will make the switch worth your time.
4. You had a speeding ticket or accident. Companies will differ on how they handle minor traffic violations like a speeding ticket as well as more serious accidents and even fender benders. If you had a recent speeding ticket and are now penalized with a rate hike, do some comparison shopping to see if another insurance company is less concerned about those minor violations.
5. Another company might have better customer service. We all expect excellent customer service, so if your company isn’t treating you like a valued customer, it may be time to leave. Did you file a claim only to realize the process was difficult and time consuming? Was your insurance agent hard to reach and unresponsive? Read the online reviews of other insurers to find out how they treat customers and if your dollars are better spent elsewhere.

Thanks to a host of online tools, you can spend an hour or less comparing quotes. You may also consider how an independent insurance agent can save you money and help you get cheap car insurance in South Carolina.

You don’t have to wait for renewal time to shop around. Put a note on your calendar and make this part of your annual to-do list – the result could be a savings of hundreds of dollars and that’s definitely worth your time.

Learn more about Manning Insurance Services’ Car Insurance Policies.

There’s a good chance you’ve changed jobs more times than you’ve changed your car insurance. The average American has had the same insurance company for a dozen years. Vehicle insurance is a hot commodity – everyone needs it because at least a minimum amount of coverage is required. That means consumers have a number of choices so don’t be afraid to shop around especially if something in your life has changed.

Here are five reasons to change car insurance:

1. You have a new teenage driver.  Not only is your stress level rising with the addition of a teen driver but so are your auto insurance rates. In fact, your insurance bill may go up by 50 percent or more. And rates vary widely among insurance companies. When your teen gets a license, it’s time to start shopping. Be sure to ask companies about discounts for good grades and safe drivers.
2. You’re buying a new car. A big factor in your auto insurance rates is the make and model of your vehicle. A Honda is cheaper to insure than a Porsche, for example. (See our post on the 10 least expensive cars to insure in 2016). As you’re shopping for your new car, it just makes sense to shop for new insurance. And with online comparison tools, it’s easy to get a sense for how premiums vary from company to company.
3. Poor customer service.  If you’ve filed claims with your existing insurance company and found their response was slow, unprofessional and less-than-friendly, it’s time to move on. Insurance companies are in the service business and their main goal should be keep their customers happy. It’s too easy for a customer to walk away and find another insurance provider. There’s no reason to tolerate poor customer service.
4. You got a speeding ticket. Insurers periodically check motor vehicle records so you might see a price hike even a few months after the ticket is paid and forgotten. But some companies are less concerned about a speeding ticket and may not raise your rates as much, so it’s worth getting a comparison. The same goes for causing a car wreck. Another company may not raise your rates as much after a recent accident.
5. You made a major lifestyle change. A big life change like buying a house or getting married may also be the time to look at how bundling your insurance policies can save you money. Many companies will offer discounts if you have multiple policies, so shop for family insurance policies or add your house insurance for even greater savings.

You may think your customer loyalty will be rewarded, but that’s not always the case. Why give a good deal to a customer who plans to stay? Quite often insurance companies offer up their best deals and discounts to attract new customers instead of devoted users. If you’re a long-time customer and request a discount, make sure the company hasn’t raised your rates over the last few years before giving the discount – in that case, you’re aren’t saving anything.

It pays to compare companies, policies, and premiums so you’re not leaving money on the table. This is often where consulting with an auto insurance broker can save you money. Brokers aren’t tied to any one agency so can assist you in comparing prices to find the best deal for you and your family.

Car insurance is that necessary evil. Everyone’s required to have at least some minimum coverage in South Carolina, but no one really wants to purchase car insurance. So your best bet is to do your homework, be educated and understand the ins and outs to securing the best
car insurance rates in South Carolina

A good first step is to understand the many misconceptions about car insurance. Here we dispel four common myths that will help you in selecting the best coverage at the best price.

1. Loyalty pays.You may think working with the same company or contacting a dedicated insurance agent will result in the best insurance rates. That’s not always the case. Many companies save their best deals for new customers, not those who have been loyal customers for a decade. It pays to shop around. Whether online or by reaching out to companies directly, you can get several quotes to compare coverage details and annual costs.

You may also want to consider working with an auto insurance broker who represents multiple companies and can help you select the best coverage and customer service while also helping you snag cheap car insurance in SC.

2. Red cars are more expensive to insure.A long-held car insurance belief is that someone with a red sports car would be paying an outrageous amount for car insurance because red cars cost more to insure. Not so. The color of your vehicle does not play into your auto insurance rates.

Instead, vehicle insurance companies look at things like the car’s make, model, age and engine size. Companies also factor in the age of the driver, your driving record and sometimes your credit history when setting rates. So if you’ve had your eye on a red car, go for it! Your insurance rates won’t be impacted.

3. Credit ratings don’t factor into your car insurance premiums. Actually, they can. Car insurance companies often check your credit score to gauge how likely you are to file a claim, assigning you a credit-based insurance rating. Research has found customers with higher credit scores cost insurance companies less than those with low credit scores. So, here’s another good reason to keep tabs on your own credit score in case there are discrepancies or issues you need to resolve. It’s just one more way to ensure you’re finding cheap car insurance in SC.
4. The insurance company will pay off your car loan if the vehicle is damaged beyond repair.If you purchased your vehicle with a car loan – as most people do – the bank or lending institution will most likely require you to have collision and/or comprehensive insurance coverage. But if your car is totaled in an accident while you still owe money on the loan, you may find yourself in a loss situation. That’s because the insurance company will only pay you the fair market value of the vehicle – not the amount you still own on the car loan.

It’s likely there will be a gap between the fair market value and the loan balance. If you’re purchasing a new car with a loan – especially a brand new vehicle – you may want to look at purchasing additional guaranteed auto protection or GAP insurance to cover the difference.

By knowing how auto insurance rates are established and understanding the specifics of the policy will go a long way to toward securing an affordable insurance policy. Then, your most important task in obtaining cheap car insurance in SC is to compare prices and coverage so you’re getting the best insurance at the very best deal.

Learn more about Manning Insurance Services‘ Car Insurance.

We all know that texting behind the wheel can be dangerous. But distracted driving doesn’t just happen on a phone. It can happen with a mascara brush in hand. It can happen with a hot cup of coffee. It can happen when your favorite radio station decides to play something from your grandparents’ generation.

We put together a list of behind-the-wheel behaviors that could put you and your family at risk. None of them are bad behaviors. They are simply risky behaviors if your vehicle is in motion. Ready for this? Here we go . . .

Playing referee to back-seat arguments: We’ve all been there, right? We’re driving down the freeway and a fight breaks out in the back seat. Resist the temptation to turn around and play referee. It could create a bigger problem if something happens in the lanes ahead of you. The same goes for smaller children. Avoid turning around to check on a fussy child or reach for a fallen toy. Driver turnarounds are causing a growing number of serious car accidents.

Messing with music. Changing radio stations, adjusting stereo volume and even putting in a CD while you’re driving can slow your ability to respond in time to avert a car accident. In-dash technology such as GPS also can be a big distraction while driving. Pre-programmed radio stations and buttons on the steering wheel can reduce distraction. If you have a passenger, designate him or her as DJ of the drive.

Eating and drinking. A rising number of accidents are being attributed to eating, drinking and smoking while driving. Hot coffee is causing issues, particularly when sipped without a lid. And messy foods, like hamburgers, are causing collisions when their toppings tumble into a driver’s lap. Other distractions include makeup for women and, gasp, shaving for men.

Rubbernecking. OK, we’re all guilty of slowing down to check out a car accident or post-wreck cleanup. But too often the act of ‘rubbernecking’ can cause a driver to be in an accident themselves. Quick stops, lane changes and driver inattention create the perfect recipe for collision.

When it comes to driving, avoid the temptation to take your eyes off the road. Although multi-tasking may help you elsewhere, we recommend a single-minded approach to reaching your destination in safety. Drive safe! Know that we care about you and your family.

Learn more about Manning Insurance Services‘ Car Insurance.

You felt a bump, a crash, a thump. What do you do next?

The answer to that question can be difficult in the moments after a collision. No matter how serious the collision is, you’ll undoubtedly find your heart racing and mind spinning as you consider what just happened. We want to help put you at ease.

If you’re involved in a car accident, the first thing to do is take a deep breath. Get your composure and make sure everyone is OK. Start with your vehicle, then check on those in the other vehicle. If you have any concerns about injuries, call 911 for an ambulance. As for police? Even if it’s only a minor fender-bender, you’ll want to report the accident. It will make things much easier when it comes to getting things repaired.

While you wait for help to arrive, make sure you and your passengers are in a safe place. Use your vehicle’s hazard lights to help other motorists see you. When it’s safe to do so, document the facts about the accident, noting how many people and vehicles were involved as well as specific damages or even weather-related conditions. Calling your insurance agent would be a great idea.

Avoid discussing the particulars of the accident with those in the other vehicle. Be caring and compassionate. Make sure the occupants of the other vehicles are safe. But only talk about the accident with the police officer and your insurance company. The minutes and hours after a car accident can be an emotional time and you may not be thinking clearly. That’s why even if you feel like the accident is your fault, refrain from telling anyone you’re responsible. Let the authorities and your insurance company sort through the facts.

As much as we wish accidents would never happen, they do happen. They happen every minute of every day, with more than 6 million crashes each year in the United States. So stay safe and know there are people just a phone call away who can help you when the need arises.

Learn more about Manning Insurance Services’ Car Insurance.

There are many situations where it may be easier for employees to drive a personal vehicle while performing job-related duties. Some instances include commuting between job sites, deliveries, client visits, transporting clients and more. However, there are risks involved for the employer. The employer can be held accountable should the employee be involved in an accident.

There are options available for employers that wish to allow employees to drive their personal vehicles for job-related duties.

#1 Purchase hired or non-owned auto insurance
Hired auto insurance companies cover a vehicle driven by an employee for work purposes that is neither owned by the employee or employer. This protects the employer should an accident happen in the course of work. Non-owned auto insurance protects the liability interests of the employer if an employee drives his personal vehicle for work purposes. Both hired auto insurance coverage and non-owned auto insurance will supplement the employee’s personal auto policy in the event of an accident.

#2 Add the vehicle to a commercial auto policy
If it is necessary for an employee to drive his personal vehicle for work purposes on a regular basis, it may be worth adding his vehicle to the company’s commercial auto policy to mitigate risk. However, employers should be aware that even after adding the employee vehicle to the commercial auto policy, the employee’s coverage is still primary and will pay for damages up to the policy limits less the deductible. The commercial auto policy only pays for bodily injury and property damages if the employee has no auto insurance coverage on his personal vehicle.

Every employer wants to make work transportation easier while still covering risks. It is possible for employers to cover employees driving personal vehicles. This way, both the employee and the employer will feel more at ease.

Learn more about Manning Insurance Services‘ Business Auto Insurance.

Driving is a privilege, not a right. Sometimes we get lax about certain safety precautions and need a reminder of why they exist in the first place. That said, here are 4 truths about driving we should all take to heart:

1. Distracted driving is selfish (and risky). Do you think it’s considerate of other drivers to multitask? Truth is, your inattention could get somebody hurt. Put the phone down and keep eyes on the road.

2. Putting off a repair will cost you more in the end. The longer you let a problem go unintended, no matter how small, the worse it will get. So keep current with preventative maintenance and inquire about warranty coverage if you suspect you’re eligible.

3. Taking poor care of your car is inconsiderate. Having an unsafe car doesn’t only affect you — it can pose a threat to other drivers on the road. At worst, it can even affect the environment if you have any fluid leakage or emissions issues. Some states have laws on the books imposing fines on such oversights.

4. Your kids are watching, Kids often learn behaviors from their parents, their first teachers. How do you drive? Do you exhibit distracted driving patterns, or are you attentive? Set a good example so your kids will have something to aspire to.

Which one of these habits could you work on this week?

Learn more about Manning Insurance Services’ Auto Insurance.

Accidents happen on the road even to the best of drivers. The key is to respond and react appropriately as to minimize the stress and ensure a timely resolution. Here’s what we recommend:

Be prepared. While it may be unpleasant to think about, having some things on hand can help if and when things go awry. Put your most important info in the glovebox (ID cards, vehicle registration, emergency contacts, health insurance cards, etc.). Always have a car charger or extra battery on hand so you can easily make a call to the police or family.

Keep your cool. Regardless of who’s at fault, you are best served to stay calm, cool and collected. Move your car to a safe nearby location, but be careful not to leave the scene. Check to see if anyone is injured and call 911 if necessary. Contact the police in all situations. They’ll let you know if an officer needs to arrive on the scene. If your car isn’t drivable, you can request roadside assistance.

Document, document, document! Exchange names, phone numbers, addresses and email addresses of all occupants and witnesses. Take photos of the accident scene and all vehicles involved. Exchange relevant insurance information, like company name, policy number and phone number to file a claim.

We hope you never have to experience a car accident, but just know that even the most experienced of drivers have bad days. Stay safe out there!

Learn more about Manning Insurance Services’ Auto Insurance Policies.

The popularity of rideshare services such as Uber and Lyft continues to rise, giving traditional transportation services, such as taxis, a run for their money. If you have found an employment opportunity as a rideshare driver, you may be wondering what kind of insurance you will need and who is liable in an accident — the driver, the company, or both? Let’s see if we can answer of few of your questions here.

As a rideshare driver, you are an independent contractor employed by the rideshare service. You will be required to use your own vehicle since these services do not own or operate their own vehicles nor do they hire drivers directly. Since you are employed as an independent contractor, using your own vehicle, Uber and Lyft do not have employer liability if there is an accident.

What you should know is that your personal auto policy typically does not cover you while you are using your vehicle as an Uber or Lyft driver. There is some ambiguity as to whether a personal auto policy will cover any accidents that happen when the driver is not actually logged into the Uber or Lyft app. While you are logged into the app, Uber or Lyft will cover any damages or injuries caused to others if you are involved in an at-fault accident. However, there is no coverage for your injuries or for damage to your vehicle.

There are a couple of solutions available to rideshare drivers:

#1 Buy a rideshare insurance policy: You can buy a rideshare insurance policy that offers coverage for after you’ve accepted a ride request. However, not all policies cover you while you are waiting to receive a pick-up request. Rideshare policies also need to be available in the states where you will be driving. (If you buy a rideshare policy, you’ll need to disclose this information to your personal auto insurance carrier.)

#2 Buy a commercial auto insurance policy: A commercial insurance policy has your bases covered as a rideshare driver. It will cover all phases of the job, from waiting on passengers, accepting a drive request and driving passengers to their destinations.

Rideshare services are providing exciting new employment opportunities to many. If you’d like to discuss the type of auto insurance you will need as a rideshare driver, give us a call and we’ll be glad to go over all the options.

Learn more about Manning Insurance Services’ Commercial Auto Insurance.

You practice safe habits on the road, but do you do the same when fueling at the pump? There’s no reason to take any shortcuts. Don’t put you or your family at risk. While static electricity-fueled fires are unusual, they are more likely to occur in cool or cold and dry climate conditions. Consumers can take matters into their own hands by following safe refueling procedures year-round in all weather conditions.

The first and perhaps most important rule is to never get back into your vehicle during refueling. While it may be tempting to do this, staying outside the vehicle can reduce the amount of static produced and therefore curb the risk of a fire. If for some reason, it’s necessary to get back into the cabin, it’s best to always first touch a metal part of the vehicle with a bare hand, such as the door, away from the fill point upon exiting the vehicle.

Another word of caution: put that cellphone away while you are fueling up. While there aren’t any verifiable incidents of a cell phone causing a fire at a gas station, a gas station is a higher risk area. Why? Because there are explosive vapors (not fumes). According to National Fire Protection Association rules, you’re not supposed to use electronic materials, i.e. cellphones at gas pumps. That phone call, email or text can wait 5 minutes while you complete the transaction. (We’re talking to you, especially teen drivers!)

Fuel smart every time and you won’t regret it.

Learn more about Manning Insurance Services‘ Auto Insurance.

Dawn and dusk might be pretty times to drive, but they also come with their own set of challenges. Deer and other game animals tend to forage at this time, making you more susceptible to a collision. It can happen to even the most careful of drivers. So, what do you do if you’re victim to Bambi’s spontaneity:

• Stay calm. If possible, pull over to the side of the road, and turn on your hazard lights. If you must leave your vehicle, stay off the road and out of the way of traffic.
• Call the police. Let them know if the animal is blocking traffic and posing a threat for other drivers. If the collision results in injury or property damage, you may need to fill out an official report.
• Document the incident. If possible, take photos of the roadway, your surroundings, damage to your vehicle, and any injuries you or your passengers sustained. If witnesses are involved, ask them for a written account and their contact information.
• Stay away from the animal. Even an injured one can attack.
• Double-check that your car is safe to drive. Look for leaks, loose parts, tire damage, broken lights, etc. If you have any doubts call for a tow.
• Contact your insurance agent. The sooner you report the incident, the sooner your agent can file and process your claim.

Knowledge is power, as they say. Keep calm and drive on!

Learn more about Manning Insurance Services‘ Auto Insurance Policies.

If you’ve ever shopped for tires, you know there’s no shortage of selection. How do you prioritize the options? Experts believe it really comes down to three factors: function, fit, and value.

Function means you should take into account weather conditions, terrain, temperatures, etc. Most new vehicles come standard with all-season tires. This might not be ideal for more extreme climates. Winter tires, however, are made for handling snow and ice. They have a rubber compound that helps them have better traction as temperatures dip below 45 degrees Fahrenheit.

As for fit, you can’t go wrong with choosing tires in the same size as the factory default. If you want to go a different route, be sure to work with a professional that can make sure they are right for your vehicle. It’s also critical that important safety systems like anti-lock brakes, stability control and traction control aren’t negatively impacted by the new set.

Last, value does not equate to price. Don’t compromise your family’s safety to save a few bucks. Plus, sometimes you can take advantage of rebates or zero-percent financing to make the deal sweeter.

Knowledge is power, as they say. A little research can save you some headache in the end.

Learn more about Manning Insurance Services‘ Auto Insurance.