Car Insurance
Are you looking to reduce your monthly car insurance payments? Our knowledgeable and experienced independent insurance agents are here to help you save money. For many, car insurance feels like an unavoidable expense, especially if you're insuring a newly licensed teenager. But with Genesis Multiservice Agency, that perspective changes.
We offer an extensive range of discounts, ensuring you get affordable rates regardless of your driving history. No matter your situation, we can provide competitive options that work for you.
Affordable Coverage for Various Situations
We provide low-cost insurance and discounts tailored for:
- At-risk drivers
- Newly licensed drivers
- Experienced drivers with up to 20 points
- Drivers with a DUI history
- Multiple vehicles
More Than Just Car Insurance
As a local, independent agency, Genesis Multiservice Agency specializes in finding the right car insurance policy by comparing quotes and coverage from top providers. Beyond cars, we also offer coverage for motorcycles, classic cars, motorhomes, boats, and ATVs.
How Much Auto Insurance Do You Need?
Our team understands the specific auto insurance requirements for drivers in the state of South Carolina. To legally drive, you’ll need the following minimum coverages:
- Property damage: $25,000 per accident
- Bodily injury: $25,000 per person and $50,000 per accident
- Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
- Uninsured motorist property damage: $25,000 per accident with a $200 deductible
- Underinsured motorist bodily injury*: $25,000 per person and $50,000 per accident
- Underinsured motorist property damage*: $25,000 per accident
While these are the legal minimums, they don’t include protection for your own vehicle. To safeguard your car fully, consider adding extra coverage options.
Financing a Car? Know Your Insurance Requirements
If you're financing a car, comprehensive coverage is often required to protect the vehicle. This includes:
Collision Insurance
Collision coverage pays for damage to your car resulting from an accident. It covers repair costs up to your car’s fair market value, minus the deductible. Opting for a higher deductible can reduce your premium costs.
Comprehensive Insurance
Comprehensive coverage protects against non-collision incidents, such as theft, vandalism, natural disasters, or fire. Like collision coverage, it pays up to the fair market value of your car after deducting your chosen deductible. While not legally required, it’s typically necessary for financed vehicles.
Every driver’s needs are unique. Let us help you find the best value on auto insurance. Contact us today for a free quote and discover how much you can save!