All Renters Need Renters Insurance

One of the most undersold policies is a renter's policy. You need renters insurance if you rent your home, apartment, or condo and do not own it. A South Carolina renters insurance policy insures your personal property or contents of your home. The best renters policies will cover your personal property on a "replacement" cost" basis. That means that no matter how old the item is, it will be replaced with a new item of like kind and quality without depreciation.

A good renters policy will also have liability coverage attached. Personal liability coverage pays your legal defense and any subsequent judgement against you should you be sued because of something that happens on your residence premises. It is very easy to purchase a renters policy in South and North Carolina.

Visit our website and get a quick online quote for rental insurance. We service both North and South Carolina. You will be surprised how CHEAP it is!

Tips for Affordable Auto Insurance

Did you know that the four major auto insurance carriers can have completely different premiums for the same coverage and similar drivers? If you haven't talked with your own agent about your car insurance discounts, you should. Some agents won't volunteer to give you everything you deserve unless you ask!

*Fact* Many auto insurers are actually a collection of several insurance companies in which each caters to a certain type of driver. The worst drivers go in one company, the best in another, and a lot of people wind up in one of the middle companies. These middle people pay less than the worst drivers, but more than the best. Which one are you in, if any?

*Fact* Many insurers now use your credit history as a major factor in determining what to charge you for auto insurance. In some cases, if your credit is excellent, you could save money by moving your insurance to a company that uses credit as a rating factor – even if you have a so-so or poor driving record! If you have poor credit, you could save money by moving your auto insurance to a company that does not use credit as a rating factor.

*Fact* Some companies give a discount for your insurance on 16-17 year old drivers if they are good students in school!

For Eleven Ways to Discount Your Auto Insurance, visit our website and see what most insurance agencies don't want you to know. And if you have a good driving record, fill out an Online Auto Quote, and let us SAVE YOU MONEY ON YOUR CAR INSURANCE!

Scott Todd

Todd Insurance Agency

Scott @ CarolinaPolicies.com

Hello From Sunny North Myrtle Beach!

Welcome to our Insurance Blog for North Carolina and South Carolina car, home, life, and personal insurance. We hope you'll find our blog interesting and informative, as we try to give you tips on how to get the most insurance for your hard-earned dollars. We will also try to keep you informed on current events related to insurance issues in North and South Carolina.

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