Myrtle Beach Auto Insurance

It is no secret that auto insurance is mandatory by law in South Carolina for each vehicle you plan to drive. In order to drive a car in Myrtle Beach, you have to have auto insurance coverage that is adequate to protect each person in the vehicle. While this seems like a simple concept, purchasing car insurance can be a surprisingly complex task.

For something that is legally mandated, purchasing auto insurance isn’t always a straightforward process and it can be a chore to land on the right plan for your situation. Getting the best deal on insurance can actually be a pretty difficult task and chore. Our team at Aaron Miller Insurance is here to make your car insurance purchase experience as painless as possible!

With so many insurance companies, enticing advertisements and promising rates, it is no wonder why shopping for car insurance can be quite overwhelming! Here at Aaron Miller Insurance, we are dedicated to simplifying the process while providing the essential information to help you make an informed decision.

There are a few steps you can take to make sure you are getting the appropriate coverage for your car and situation at an affordable price. In addition, there are also certain criteria you should keep in mind while shopping for car insurance in Myrtle Beach, SC. We firmly believe that, while auto insurance isn’t a fun thing to buy, you should feel good and confident about your purchase decision.

Auto Insurance is a vital thing to have to protect you in the event of a minor or even tragic car accident. We understand that understanding auto insurance policies and plans can be quite confusing and, at times, convoluted. Our team located here in Myrtle Beach, SC are happy and present to assist you in finding the right coverage that makes sense for you and your family.

Meet the Best Car Insurance Agents in Myrtle Beach

Each auto insurance company represented through Aaron Miller Insurance provides a wide and comprehensive range of auto insurance products. We firmly believe that we have something for everyone in Myrtle Beach! Your auto insurance price is dependent upon many factors, and we are here to make it an easy process to understand and break down those determiners.

In addition to making the purchase of auto insurance an easier process, we have multiple discounts available depending on the qualifying factors of your situation. Our team of professionals are patient and thorough when evaluating prices as well as discounts. We enjoy the feeling of knowing that we connected our clients with the best possible car insurance policy at the most affordable price!

While searching for auto insurance, you will be asked a variety of questions about your coverage preferences. You will be asked to decide whether you want collision and/or comprehensive coverage. In addition, we will discuss how high or low you want your deductibles and what liability limits you would like to carry. There will also be an option for you to choose optional coverages to include in your plan.

If you find yourself unsure about what these terms mean, don’t worry! You’re not alone. We understand that these may not be terms the average person encounters each day, and we’re happy to explain and discuss to make sure you are comfortable with the car insurance plan you choose!

Myrtle Beach, SC Auto Insurance Coverage Overview

Collision and Comprehensive Coverages

• Collision Coverage: Collision coverage kicks in when the driver of a vehicle gets into an accident, and it ensures the damage to the car isn’t a total loss to the driver. People who find themselves in an unexpected accident are always thankful they decided to carry collision insurance!
• Comprehensive Coverage: This type of coverage is often referred to as “Other Than Collision” insurance. Comprehensive Coverage insures you against all other physical damage to your vehicle including fire, theft, vandalism, and other incidents other than a collision.

  As an example, comprehensive insurance would cover your costs in the case of someone smashing your windows to steal from your car. Of course, we hope that never happens. However, if it does, comprehensive coverage is a blessing to have.

• Collision and Comprehensive Coverage: It is important to note that those leasing or buying a car in South Carolina are often required by the lender to carry both collision and comprehensive insurance until the vehicle is fully paid off. These coverages usually come with a deductible, which can range from $100 all the way up to $1000.

Furthermore, in the case of a vehicle becoming damaged the insurance company will only pay for the damage in excess of that specified deductible. This means the higher the deductible, the lower the overall rate of the auto insurance. Deductible prices versus auto insurance rates are often two powerful deciding factors in which car insurance plan a client chooses.

Other Coverage Types

• Liability: There is a lot of damage that can occur as a result of a car accident, and that damage isn’t exclusive to the vehicles involved. Liability coverage pays for the injuries caused by an accident for which you are held responsible.

  In addition, Liability covers the other party’s property that may have been damaged. Of course, liability coverage only comes into play when you are held responsible for the accident.

• Medical Payments Coverage: The title is fairly self-explanatory for this one! Generally, Medical Payments Coverage pays for medical costs after you are injured in an accident. This coverage kicks in regardless of who is found guilty of the accident.

It is important to note that Medical Payments Coverage insures up to a specific dollar amount that is defined ahead of time. In addition, it can be utilized in the unfortunate event of there being funeral costs.

• Uninsured/Underinsured Motorist Coverage: While it is legally mandatory for every driver in Myrtle Beach, SC to carry car insurance, there are always a few who choose to ignore this rule. Uninsured/Underinsured Motorist Coverage pays if you become injured in a vehicular accident by a person who is completely uninsured.

  This also applies if the responsible party doesn’t have enough liability insurance to cover the medical costs of your injuries. This coverage type also guarantees your medical bills are paid for if you become the victim of a hit and run driver and accident.

• Other Optional Coverages: There are a variety of optional coverages we can discuss! These include, but are not limited to, towing, rental reimbursement, and even roadside assistance. While none of these coverages are required, they are all worth considering in the event of a car accident or other unfortunate event.

The Dangers of Not Carrying Car Insurance

No one gets behind the wheel of a vehicle thinking a horrific accident is about to happen. Car accidents happen unexpectedly and, oftentimes, to some of the most responsible drivers. While it is a legal requirement to carry auto insurance, it is also an important step to take to ensure financial safety for you and your family.

The last thing you want after experiencing a car wreck is to discover that you are now financially liable for the damages or injuries you may have caused by accident. This can result in fines, license suspension, or even jail time. Here at Aaron Miller Insurance, we are confident in our ability to find a thorough auto insurance plan to fit your specific needs and budget!

We are local to Myrtle Beach, South Carolina, and we are happy to meet with you to provide advice and to answer any questions you may have about auto insurance. Our team of professionals are committed to making sure each client is taken care of and fully comfortable with their chosen plan.

Aaron Miller Insurance is located right in the Myrtle Beach area; therefore, we know exactly what your insurance needs are. For more information, we invite you to give us a call at 843-999-0575. We will get you in touch with an agent who can help you get the auto insurance that you need today!

Other Services from Aaron Miller Insurance:

• • Condo Insurance: At first, condo insurance may not seem like a necessity when you’re moving into someone else’s property as a temporary living space. However, in the case of a flood or even theft, Condo Insurance will reimburse you for the cost of lost or damaged personal items within the walls of your rental.
  • Home Insurance: Like auto insurance, there are a variety of insurance plans you can purchase for your home in Myrtle Beach, SC. Our team at Aaron Miller Insurance is happy to meet with you to discuss your specific and unique home insurance needs!
  • Flood Insurance: Do you know if your Myrtle Beach home is in need of floor insurance? We are happy to evaluate your home’s location to determine if flood insurance is a good financial decision for you, your family, and your home.