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Beacon Auto Insurance Review

A Brief Introduction to the Company

Beacon Auto Insurance provides various types of auto insurance coverage to both the business and private sector in South Carolina. The company offers both personal policies as well as commercial policies for many types of vehicles. This car insurance company has been in existence since 1921 and is part of the Beacon Insurance Group that offers policies in many states. 

To receive affordable car insurance quotes from multiple companies for FREE, enter your ZIP code in our car insurance comparison tool.

About Beacon Auto Insurance Coverage and Policies

The policies offered cover the minimum requirement in the state of South Carolina. The policies include a minimum of $25,000 in liability coverage and damages per insured individual. The minimum coverage per person per incident is $50,000 and another $25,000 of coverage for property damage. Every driver in the state must provide evidence of coverage for the minimum liability amount and this is provided to each policy holder by the insurance company.

Optional Additional Coverage Offered Fender Bender

If you have an existing loan on a vehicle, you may need to add collision coverage or comprehensive vehicle coverage. The policies that have collision coverage are eligible to receive funds for repairs or replacement of the vehicle in the case of an accident with another vehicle. Comprehensive policies include coverage for incidents that are out of your control such as fire, natural disasters or the theft of the vehicle in addition to collision insurance.

Additional coverage higher than the minimum can also be added to your policy. There are no restrictions related to the maximum coverage you can purchase if you are able to pay for it. If you have a special vehicle or a high value vehicle, then this is an ideal option. 

Specialty Vehicle Policies

There are some vehicle types that fall into this category and must be covered based on this. Vehicles such as limousines and classicantique cars, heavy-duty vehicles, and some sports cars may fall into this classification. The insurance company has specific guidelines that must be met as well as higher coverage requirements. Minimum requirements are not enough so the premium may be higher.

When you get a quote from various providers and insurance companies, you can compare to find which one can give you the best rate and the best coverage. Insurance is a big expense but an educated decision can be made with research and lower your premium as well. Use our auto insurance comparison tool and enter your ZIP code to receive car insurance quotes for FREE.

Water based Auto Insurance From Beacon

Regardless of the type of vehicle, insurance is a requirement. Because the investment you make holds a great deal of monetary and personal value, you must have insurance coverage for the vehicle. You will find policies to cover your vehicle for damage and personal injury. 

The policies that are available will cover liability and medical needs for you and also those who are with you. Coverage is for boats and other types of water technology such as water skis and larger vehicles like yachts.

Discounts Offered by Beacon Auto Insurance

  • An agent may be able to find car insurance discounts that will help you save on your insurance policy. Individuals that have a clean driving record may be eligible to receive a discount off their total insurance cost. 
  • Those who have a good credit rating may also receive a discount but some individuals may not qualify because of bad credit or no credit. 
  • If you are a member of an automobile association, a realty association or an aging citizens group or club, you may qualify for a percentage off the premium. 
  • Deductibles may be high, but if you have a clean record with no history of any accidents, the deductible may be decreased by a small amount every year.
  • Drivers who have enrolled in and completed driving courses may be eligible for a discount. This is a good option for teens that have just begun driving.

buy new carBased on a review done by Dun & Bradstreet, the company has no complaints against it and has helped its clients find low cost insurance policies from various providers. The company is considered to be low risk and provides necessary coverage with policies that are issued.

Owning a vehicle or buying one is one of the most important investments that people make in their lives. This investment must be protected because a vehicle is a possession that is dear to one’s heart and a necessity to get to and from work or for pleasure. Coverage in various areas is vital so you must find a suitable policy that protects your vehicle and also complies with the minimum requirements of the state you drive in. Get multiple online car insurance for FREE quotes by entering your ZIP code.

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