5 Common Auto Insurance Mistakes South Carolina Drivers Make

When it comes to car insurance, it’s easy to assume you’re covered — until you’re in a situation where you realize you’re not. As an independent agency serving drivers across Upstate South Carolina, we see common mistakes that can cost people thousands in repairs, medical bills, and lost time.
Here are five of the biggest auto insurance mistakes we see (and how to avoid them).

1. Choosing Only the State Minimum Coverage

South Carolina requires drivers to carry minimum liability limits of 25/50/25, but that’s rarely enough to fully protect you.
If you cause an accident that results in major injuries or property damage, those limits can be used up quickly — leaving you personally responsible for the rest.
Our tip: Consider higher limits and add Uninsured/Underinsured Motorist (UM/UIM) coverage to protect yourself against drivers who aren’t adequately insured.

2. Forgetting to Review Your Policy Annually

Life changes — maybe you bought a new car, added a teen driver, or started commuting farther for work. If you haven’t reviewed your policy in a year or more, your coverage may not reflect your current situation.
Our tip: Schedule a quick annual policy review with your agent. It’s free, easy, and ensures your coverage still fits your lifestyle and budget.

3. Not Understanding Comprehensive and Collision Coverage

Comprehensive covers things like theft, hail, or hitting a deer — while collision covers damage from an accident with another car or object.
We often meet drivers who think they’re covered for these events when they’ve only chosen liability coverage.
Our tip: If your car is newer or still being financed, make sure you have both comprehensive and collision coverage. It’s usually worth it for peace of mind.

4. Ignoring Discounts and Bundling Opportunities

Many South Carolina drivers are paying more than they need to simply because they haven’t asked about discounts.
From safe-driver programs to bundling your home and auto policies, there are often ways to save without sacrificing protection.
Our tip: Ask your agent to review all available discounts — especially if you also insure your home or business with us.

5. Focusing Only on Price

We all want to save money, but the cheapest policy isn’t always the best value. Low-cost plans often come with low coverage limits, high deductibles, or poor claims service when you need it most.
Our tip: Balance affordability with coverage quality. An independent agency like us can shop multiple carriers to find the best protection for your budget.

Final Thoughts

Auto insurance isn’t just about meeting state requirements — it’s about protecting yourself, your family, and your financial future.
Avoiding these common mistakes can help you drive with confidence, knowing you’re covered for whatever comes your way.

Ready to Review Your Coverage?

Our team at Edwards Insurance Agency is here to help you find the right protection at the right price.
👉 Contact us today or call (864) 292-5502 for a free, no-obligation policy review.