Our Office will CLOSE at 12:00PM on Wednesday, November 25th in observation of the Thanksgiving Holiday. We will reopen at 8:30AM on Monday, November 30th. Enjoy and be safe!

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Auto Insurance

As a responsible driver, you should understand what coverages you are required to carry and what optional coverages are available in order to protect yourself from an unforeseen event and minimize the financial stress of unfortunate circumstances.

Various auto insurance options include:

  • Bodily Injury and Property Damage to Others resulting from an accident in which the insured is at fault.
  • Medical Insurance for the driver and passengers in an insured vehicle that incur medical expenses as a result of a covered accident regardless of fault.
  • Bodily Injury and Property Damage Caused by other Uninsured and Underinsured Motorist during an accident in which you were not at fault or a hit-and-run incident.
  • Collision Coverage insures the policyholder from loss during a collision with another vehicle or object.
  • Comprehensive Coverage is protection for the insured vehicle from damage and loss resulting from incidents other than collision.
  • Roadside Service for towing and other roadside assistance.
  • Rental Reimbursement for the expense of a rental car when an insured vehicle is disabled due to a covered loss.

Additional coverages or options:

  • New vehicle replacement
  • First accident forgiveness
  • Disappearing deductibles
  • Auto loan/Lease Gap coverage
  • Non-owned vehicle coverage
  • Original parts replacement

What factors affect auto insurance rates?

  • Garaging address – county and zip code statistics
  • Drivers – age, driving records (3-5 year history), claims (3-5 year history), credit quality
  • Vehicles – type, age, safety features, likelihood of theft, replacement value, purchase price
  • Usage – assigned driver, occupation, mileage driven to work and how often, annual mileage
  • Coverages – limits, deductibles, prior carrier (length of time with and limits)
  • Payment plans – paid in full, monthly installments, drafts
  • Multi-policy discounts – having more than one policy with the agency and/or carrier.
  • Some factors are impersonal and carrier related.

Call us today to learn more about auto insurance.

Our News

  • Georgetown County Emergency Management

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  • Our response to COVID-19

    Our company continues to work our normal business hours off site from 8:30am - 4:30pm. Our physical office will remain closed to protect you and our staff. We will continue to monitor any local, state and federal recommendations for our area and communicate our availability to you.

    We are encouraging clients to utilize email, telephone and social media to contact us and for announcements. Alternatively, we encourage you to use the carriers’ websites to make payments, view documents and file claims. Carrier contact information is available under the OUR PARTNERS tab above.

    Our agents are available and ready to answer your questions and concerns. 843-237-1353 www.lowcountryins.com

    Thank you for your business. Please stay safe and healthy.

  • Important Storm Preparation and Recovery Information

    The Atlantic Hurricane Season officially begins in only a few short weeks on June 1, 2020 and goes through Nov. 30, 2020. Now is a great time to read some expert tips on how to mitigate tropical cyclone risks.

    The Insurance Institute for Business & Home Safety, offers invaluable resources in storm preparation and recovery that can prevent significant property losses caused by tropical systems. Please click on the link below to learn more.

    More Info

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