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Car Insurance Quotes and Policy Comparisons in the Carolinas
For more than 70 years, agents at Landrum Insurance have helped people in South Carolina and North Carolina find competitive, comprehensive car insurance plans to protect their lives, their investments and their futures. Our independent agents will help you find affordable car insurance, RV insurance, boat/watercraft insurance, and more, allowing you to compare car insurance quotes to find the plan that best fits your needs and budget.
Get a Free Auto Insurance Quote
What kind of car insurance do I need?
Car insurance policies vary widely. If you simply buy a policy online, you may miss out on important coverage types, exposing you and your family to incredible risk. At Landrum Insurance, our agents don’t sell just one type of insurance—we have access to the nation’s leading insurance providers, and we’ll help you find a plan to meet your needs, whether you have a new teenage driver, an elderly driver, drive a high-value or antique car, and all other unique needs.
Car insurance policies are comprised of the following type of coverages:
- Liability coverage: This type of insurance is required to drive a car. If you cause a car accident, liability coverage will help pay for the other driver’s medical care and property damage. It does not cover your own bills if the accident was your fault.
- Collision car insurance: This coverage helps fix or replace your car after an accident. While not required by many states, this coverage is often required if you lease or finance your car.
- Comprehensive insurance: This insurance protects your car from mishaps beyond accidents, such as weather damage, theft, or vandalism.
- Uninsured and underinsured motorist coverage: Many drivers on the road don’t have insurance or don’t carry enough insurance. If you have an accident with one of them, even if it’s their fault, you need this type of coverage to ensure your medical bills and car repairs will be covered.
- Personal injury protection / medical payments coverage: These types of coverage pay for medical bills related to a car accident, no matter who is at fault. Since medical bills can become incredibly expensive, this coverage ensures you can pay bills beyond what standard liability policies may cover.
- Gap insurance: If you finance your car, this coverage fills in the difference between the replacement cost the insurance company offers and the amount you may still owe on your loan.
- Umbrella insurance: While not specifically a part of car insurance policies, a separate umbrella insurance policy helps protect assets worth more than $1 million that may be part of a homeowners or car insurance policy.
To better understand which of these types of car insurance you need, call one of our independent agents today. We are licensed in SC and NC, and we’ve helped families in Landrum, Tryon, Columbus, Campobello, Inman and beyond find affordable, reliable car insurance plans that meet their unique needs and budgets.
Contact us now for a free car insurance quote, to discuss the types of car insurance you need, or to compare car insurance plans and policies.
Insurance for recreation vehicles
At Landrum Insurance, we also help clients find insurance policies for RVs, ATVs, boats, watercraft, and golf carts. Each vehicle comes with its own risks and requirements, so it’s important to talk with an experienced agent in the Landrum office to ensure your vehicle is covered and your assets are protected.
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