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Best Local Car Insurance Agencies in Charleston

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Abri Insurance logo
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License Verified:

License: 1910696368

South Carolina Department Of Insurance

Abri Insurance

5107 North Rhett Avenue, North Charleston, SC 29405
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  • Motorcyle & ATV

Business Description

Abri Insurance represents more than 20 insurance carriers in order to deliver personal and commercial auto insurance solutions for clients in Charleston and its neighboring areas. Insurance coverages for motorcycles, RVs, golf carts, and boats are also available. Business owner Angela Herndon started her career as a captive agent in Mount Pleasant then decided to start her own independent insurance agency in 2014 in order to provide more options for her clients.

License Verified:

License: 1910696368

South Carolina Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (18)
Facebook
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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allianceinsuranceservices.net logo
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License Verified:

License: 1903788894

South Carolina Department Of Insurance

allianceinsuranceservices.net

902 Savannah Highway, Charleston, SC 29407
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  • Bundling Option

Business Description

Alliance Insurance Services is a locally owned independent agency based in Charleston representing various carriers in providing auto insurance products to individuals and businesses. Its team of insurance specialists provides insurance plans tailored to the clients' needs and ensures that their claims are settled quickly. The company's auto insurance policies protect the clients against financial losses that are associated with events such as accidents, fire, and theft. It also accommodates clients who need assistance with their homeowners', renters', and condominium insurance.

License Verified:

License: 1903788894

South Carolina Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Carolina Heritage - Mount Pleasant / Charleston logo
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License Verified:

License: 1907871039

South Carolina Department Of Insurance

Carolina Heritage - Mount Pleasant / Charleston

1156 Bowman Road, Mount Pleasant, SC 29464
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  • Multiple Carriers

Business Description

Carolina Heritage Insurance is a local and independent agency offering car insurance products and services. It works with over 50 insurance carriers to provide comprehensive insurance plans to individuals, families, and businesses in Charleston and the nearby areas. Its auto insurance protects policyholders from covered legal liabilities and financial losses that are associated with events such as theft and accidents. Its agents strive to provide excellent customer and insurance services each day. Carolina Heritage Insurance also offers business insurance.

License Verified:

License: 1907871039

South Carolina Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
5.0 / 5 (48)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Dunes Insurance logo
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License Verified:

License: 1908059411

South Carolina Department Of Insurance

Dunes Insurance

520 Folly Road, Charleston, SC 29412
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  • Bundling Option

Business Description

Dunes Insurance is a local and independent insurance agency that addresses the insurance needs of vehicle owners in Charleston and the surrounding communities. Its agents have the experience to help drivers secure policies that will cover them in the event of an automotive emergency. The owners of Dunes Insurance, Trey McMillan and Matt Turbeville, are childhood friends who decided to open their own insurance firm in 2010. The company also offers home, secondary home, and boat insurance.

License Verified:

License: 1908059411

South Carolina Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (31)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Harrell Insurance Agency logo
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License Verified:

License: 1910601444

South Carolina Department Of Insurance

Harrell Insurance Agency

2000 Sam Rittenberg Boulevard, Charleston, SC 29407
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  • Multiple Carriers

Business Description

Harrell Insurance Agency, a family-owned business, has been delivering insurance services in the Charleston area since 1963. Its team of insurance professionals handles policies for businesses, homeowners, renters, and car owners. The agency also represents multiple insurance companies to find the right policy coverage to suit the clients' requirements. To further assist its clients, customer service is also available 24/7. Harrell Insurance Agency has been recognized as the "Best Insurance Agency" in the metro by the Charleston Post and Courier Newspaper awards.

License Verified:

License: 1910601444

South Carolina Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.2 / 5 (30)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
KSA Insurance logo
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License Verified:

License: 1907970522

South Carolina Department Of Insurance

KSA Insurance

1819 Meeting Street, Charleston, SC 29405
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  • Multiple Carriers

Business Description

KSA Insurance is a Charleston-based agency that provides a wide range of products, including auto insurance. Its team furnishes car insurance plans that may include comprehensive coverage, which compensates for damages resulting from theft, collision, and loss of use. Additional optional coverages include glass replacement insurance and uninsured driver insurance. The agents have access to policies from multiple carriers, which allows them to find suitable coverage types for clients. KSA Insurance is a fully digital and paperless company.

License Verified:

License: 1907970522

South Carolina Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (288)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Rowell Insurance Agency logo
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Rowell Insurance Agency

3955 Rivers Avenue, North Charleston, SC 29405
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  • Motorcyle & ATV

Business Description

Rowell Insurance Agency is an insurance agency in Charleston that offers insurance policies for personal and business requirements. The company provides auto insurance policies that cover liabilities and damages from accidents, natural disasters, and collisions. The policies can also be bundled with new or existing health insurance plans to cover medical expenses after an accident. Rowell Insurance Agency has over 50 years of industry experience. It is also an expert in insuring motorcycles, RVs, and trucks.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.4 / 5 (41)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Sweetgrass Insurance Agency logo
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License Verified:

License: 3000440288

South Carolina Department Of Insurance

Sweetgrass Insurance Agency

113 Wappoo Creek Drive, Charleston, SC 29412
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  • Multiple Carriers

Business Description

Sweetgrass Insurance Agency is a local independent agency that serves the Greater Charleston area. It offers auto insurance policies that protect cars, trucks, vans, or other vehicles from financial loss that may be incurred because of accidents, theft, or other covered events. Also available are coverages for motorcycles, ATVs, motorsports, classic cars, RVs, and boats and watercraft. Sweetgrass Insurance Agency specializes in insuring coastal properties and can bundle car policies with other insurance products to provide clients more value.

License Verified:

License: 3000440288

South Carolina Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (3)
Turbeville Insurance Agency - Charleston logo
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License Verified:

License: 1903325640

South Carolina Department Of Insurance

Turbeville Insurance Agency - Charleston

670 Marina Drive, Charleston, SC 29492
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  • RV & Motorhome
  • Boats
  • Motorcyle & ATV

Business Description

Turbeville Insurance Agency is a locally-owned and independent agency that provides car insurance services to individuals and commercial clients in Charleston and the nearby areas. Established in 1991, the company has been working with over 70 insurance carriers that help them to create coverages that are suited to the clients' needs and budget, including liability coverage and no-fault coverage. Turbeville Insurance Agency was recognized as the Top 100 Privately Owned Businesses in South Carolina for the past three consecutive years.

License Verified:

License: 1903325640

South Carolina Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Facebook
5.0 / 5 (14)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

Introduction

A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

What is car insurance?

Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.

How does car insurance work?

Car insurance functions in a way similar to other insurance policies. In exchange for a monthly premium payment, an insurance company assumes liability should an accident occur up to the coverage levels specified in a prearranged policy. This means if an accident occurs, the driver won't have to pay the full cost of repairs out of pocket.

What does car insurance cover?

Car insurance coverage can vary from one plan to another. It typically includes coverage for damages to a vehicle from accidents, medical expenses for people injured in accidents, and related costs after accidents with uninsured drivers. Some policies may cover additional perks, such as roadside assistance or a rental car during post-accident repairs.

Does car insurance cover theft?

Comprehensive car insurance generally includes theft protection. This means if a car is stolen and isn't recovered, the insurance agency will pay for the value of the car. However, comprehensive insurance that covers theft is optional coverage.

How does a car insurance deductible work?

A deductible is an amount that must be paid out of pocket before insurance coverage is applied. If a driver with a $1,000 deductible gets in an accident that causes $10,000 in damage, the driver must pay $1,000 and the insurance company pays the remaining $9,000. Deductibles amounts vary between coverage types.

Do you need insurance to register a car?

Yes, drivers need a valid car insurance policy to register a vehicle in most U.S. states. Car insurance is a legal obligation, and the DMV may suspend registration if insurance isn't maintained. Some banks and other lenders may also require a certain level of insurance before funding an auto loan.

Can you get car insurance without a license?

In most states in the United States, a license isn't required to purchase car insurance. This means that an unlicensed driver can purchase a policy for a licensed driver. However, most insurance companies won't allow an unlicensed driver to be listed on a policy, either as a primary or a secondary driver.

Do you need car insurance?

Yes. Car insurance isn't optional, and neglecting to purchase and maintain a minimum level of coverage can result in penalties, such as the suspension of your vehicle registration or driver's license. In addition, the cost of a car accident can add up to tens of thousands of dollars, which can be an unsustainable burden without insurance.

How much is car insurance a month?

Car insurance costs depend on factors such as where a person lives and their driving history. Drivers living in states with high insurance rates who've had accidents will pay more than drivers with clean records living in lower-cost states. In general, monthly car insurance costs can range from $50 to $500 or more.

Why is my car insurance so high?

Car insurance can be expensive for many reasons. Unsafe or expensive cars, a history of accidents, DUIs, and having multiple cars and drivers on a policy can all lead to higher monthly costs. Driver age may also play a role. For example, teens are more expensive to insure than adults.

How can I get lower car insurance?

Getting lower-cost car insurance may be possible depending on your personal circumstances. To find a cheaper policy, drivers are encouraged to get prices from multiple companies, bundle car insurance with home insurance, or use monitoring devices to demonstrate safe driving.

Do you need insurance to rent a car?

In most areas, car insurance isn't required to rent a car. However, most personal car insurance policies extend to rental vehicles. For those who don't have insurance coverage and want to stay protected, most car rental agencies offer supplemental insurance coverage for an added fee.

Does my car insurance cover rental cars?

Most car insurance policies do cover rental cars. However, this coverage isn't universal. Before renting a car, it's recommended that you check your policy details or speak to your insurance agent to be sure rental car coverage is included at an appropriate level.

Can I insure a car not in my name?

In most states, it's possible to insure a car that isn't registered in the name of the policyholder. This commonly occurs when a parent purchases and insures a car for an adult child. However, many states and insurance agencies require the policyholder to have a financial stake in the vehicle they're insuring.

Can you cancel car insurance at any time?

In general, it's possible to cancel car insurance at any time, provided proper notice is given. Notice requirements are outlined in policy documents. Unlike health insurance that can require personal circumstance changes or a specialized enrollment period, auto insurance policies can be canceled or adjusted at any time.

How can I change car insurance?

Changing car insurance is as easy as notifying your current car insurance company and purchasing a new policy from a different agency. Even policies that have been paid up front can be canceled, and companies will issue a refund for any time remaining on the policy term.

How do you become a car insurance agent?

In most states, working as a car insurance agent requires having a state license for selling insurance products. Generally, this process involves taking classes and earning a passing score on a licensing exam. Some agencies may allow individuals to shadow or assist current agents while working on their licensing requirements.

How do car insurance agents get paid?

Most car insurance agents are paid on a commission basis. This means they receive a percentage of the amount their clients pay for their insurance coverage. Some agents may also earn a flat salary. Commissions range from 5% to 20%, on average, but this can vary based on the company or policy type.

How much do car insurance agents make?

Car insurance agent earnings depend on commission percentages, any base salary in addition to commission, sales proficiency, and sales experience. According to the Bureau of Labor Statistics, the average insurance sales agent makes around $52,000 per year. This may vary from state to state and company to company.

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