Auto Insurance in Florence, SC
Getting the right auto insurance helps you, your passengers and your vehicle stay covered on the road. At Ed Smith Insurance, we work with local drivers to find coverage that suits your needs and budget.
Who Needs Auto Insurance? 
South Carolina law mandates that all drivers have minimum amounts of liability coverage. Whether you drive frequently or occasionally, the right policy can help cover expenses and ensure you meet state requirements.
What Coverage Options Do I Have?
Auto insurance provides financial support if you experience an accident, theft or other unexpected events. Your policy may includes a range of coverage options, including:
- Liability coverage may pay for injuries or property damage you may cause to others in an accident. This is required by state law.
- Collision coverage can help cover the cost of repairing or replacing your vehicle after a collision, regardless of fault.
- Comprehensive coverage may help with non-collision incidents such as theft, vandalism, fire or weather-related damage.
- Uninsured motorist coverage is required in South Carolina. It may apply if you’re involved in an accident with an at-fault driver with no insurance.
- Underinsured motorist coverage may apply if the at-fault driver’s liability limits aren’t high enough to cover your accident-related injuries and property damage.
You may also include optional add-ons to your policy, such as:
- Roadside assistance coverage
- Rental car reimbursement
- Replacement cost coverage
- Custom parts coverage
- Gap insurance
What Factors Can Determine My Policy Rates?
Costs can vary based on factors, including:
- Driving history and experience
- Age and value of vehicle
- Where you live and park your car
- Preferred coverage limits and deductibles
Why Choose Ed Smith Insurance?
We help Florence, SC drivers understand insurance requirements and compare plans from established carriers. Contact Ed Smith Insurance to learn more and get a free custom quote.