Category: Auto Insurance

As electric vehicles (EVs) become increasingly popular, prospective and current owners need to understand the unique aspects of insuring these vehicles. At Ingram Insurance, we can help drivers in Cheraw, SC find auto insurance for their EVs. Here are a few things you should know to get started.

Understanding the Premiums for EVs

Insurance premiums for EVs can differ from those for gasoline vehicles. The reasons are multifaceted.

EVs often have higher purchase prices, and their repair costs can be greater due to specialized parts and the expertise required for maintenance. They also frequently have more driver assist features, which can be quite expensive to fix. These can all raise comprehensive and collision rates.

At the same time, liability rates may be lower because of the many driver-assist safety features that most EVs come with.

Comprehensive Coverage is Key

Given the sophisticated technology onboard EVs, including batteries and electric motors, we at Ingram Insurance often recommend that Cheraw, SC drivers get comprehensive coverage. Even though it might be a bit more, premiums are nowhere near how much repairing an EV could be.

Consider Battery Coverage

The battery is your EV’s heart and one of its most expensive components. Some auto insurance policies for electric vehicles include specific coverage for the battery pack. Our agents can help you check which insurers offer battery coverage.

Charging Equipment Coverage

Finally, don’t overlook insurance for your home charging station. This equipment may require additional coverage beyond your standard homeowner’s policy. 

Get Auto Insurance for Your EV

Whether you’re new to the world of EVs or looking to update your policy, our team is here to provide expert guidance and support. Contact us today to find a good auto insurance policy for your electric vehicle.

Owning a car is a good option for many in the Cheraw, SC area. If you are going to buy one here, it is very important that you also think about your insurance needs. When you have a proper auto insurance plan in place, you can benefit in a variety of ways that will make it a great investment. 

You Will Meet All Requirements

One benefit that is received when you continue to carry an auto insurance plan in this state is that you will comply with requirements. Having auto coverage is necessary in most situations. When you take out a loan, you will be required to carry coverage to meet lender standards. Further, to drive a car in South Carolina, you will need to have liability coverage. If you have a full auto insurance plan at all times, you will meet such requirements and can avoid being penalized.

You Will Receive Appropriate Coverage

It is also a good idea to have an auto insurance plan to receive all the coverage it can provide. A standard auto insurance plan will offer both coverage for your vehicle and liability coverage. With this support, you will have financial protection to cover a liability claim if you are responsible for an accident as well as protection for your car if you incur a covered loss.

Reach Out To Us

It is always helpful to have an auto insurance plan when you are going to buy a car in the Cheraw, SC area. If you are looking for this coverage here, you can call our team with Ingram Insurance to start the search. Our professionals at Ingram Insurance know the value of this coverage and will offer the help you need to build a policy that is right for your situation. 

If you are driving a long distance, you may want to drive late at night when there is less traffic. However, it can be challenging to stay awake when you are driving late at night, especially if you are alone or the occupants of your vehicle are sleeping. Here are some tips from Ingram Insurance, serving the greater Cheraw, SC area, that can help you stay awake as you drive late at night. 

Tips for Helping You Stay Awake When Driving Late at Night

Get Some Exercise

Exercise helps to pump blood within your body and boost your adrenaline and serotonin levels, helping you to stay awake. Do five to ten minutes of jumping jacks, complete short sprints, or even walk for 10 to 15 minutes before driving at night or when you have to stop for food or the bathroom. 

Chew Gum

Chewing mint gum can help to stimulate your nervous system, which helps you to be more aware and helps your reaction times. As such, you should try to chew gum when you are behind the wheel late at night to help you stay awake and alert.

Stay Hydrated and Fueled

Being dehydrated or not well-fed can lead to you feeling sleepy or drowsy behind the wheel. As such, if you are going on a long road trip or if you are driving at night, you should always stay hydrated and fueled. However, instead of reaching for sugary snacks, try to eat healthy snacks and drinks. Select snacks that have plenty of protein, as this will help prevent a sugar crash that is associated with carbs and candy. 

Reach Out To Us

Falling asleep behind the wheel is a leading cause of accidents. As such, you want to take preventative measures to help you prevent falling asleep behind the wheel. And speaking of preventative measures, having the right auto insurance coverage for you is a must in case you are involved in an accident. The team at Ingram Insurance, serving the Cheraw, SC area, can help you with all of your auto insurance needs. Call us now to get started. 

Driving in South Carolina is a pleasure, but like anywhere else, it can be risky. Making sure that you have the right auto insurance is important. At Ingram Insurance in Cheraw, SC, we are an independent insurance agency. We can offer our customers more choices since we offer many different carriers. 

Auto Insurance Requirements

The auto insurance that is mandated by the state of South Carolina is 25/50/25. That is all liability coverage. $25,000 is for the first injured party in an accident that you are responsible for. The $50.000 is the total for all injuries in that accident, with an additional $25,000 for property damage. It is important to protect other people from you, but that doesn’t leave anything to protect you from an accident where you are at fault. 

If you don’t have a car loan, you can get basic liability insurance. But if you have a loan or a lease, you have to have additional insurance that the lender or the lessee will require. You will need to protect your car, so comprehensive and collision coverage is required. 

If, like most people, you use your vehicle every day, having it damaged so that you can’t drive will be a hardship. If you have the money to fix your vehicle or replace it yourself, then you don’t need to have auto insurance no matter where you live. But, if you can not do that, then having auto insurance will allow you to purchase a new car if necessary or get the repairs that your car needs to be made. 

Contact Us Today

Give us a call or stop by Ingram Insurance in Cheraw, SC to get a quote for auto insurance coverage or to ask us any questions you may have. 

Hybrid and electric cars are powered by electricity instead of gasoline or diesel. To get the best auto insurance for your hybrid or electric car, it’s essential to understand how these vehicles differ from gas-powered cars. Ingram Insurance in Cheraw, SC is here to assist with all related queries. 

Auto Insurance Options for Hybrid and Electric Cars

Although hybrid and electric cars differ in their makeup compared to gasoline-powered autos, each vehicle type requires auto insurance coverage according to their state’s legal requirements.

Below are four types of insurance coverage available for today’s high-technology vehicles:

1. Liability Coverage – when SC drivers buy liability insurance, they are buying protection from lawsuits that may be filed because of an accident. For example, this coverage will pay for the costs of a lawsuit if someone is hurt due to your car crashing into theirs.
2. Bodily Injury – includes injuries to people inside the car, such as passengers or drivers. This type of cover typically pays for medical expenses and other damages sustained by those involved in the crash.
3. Property Damage – covers losses suffered when something inside or outside your car is damaged by an accident or the theft of items inside the vehicle.
4. Comprehensive and Collision Coverage – protects drivers from all loss types, including those not caused by an accident and the costs associated with being involved in a crash, regardless of who was at fault.

Get Auto Insurance for Your Hybrid or Electric Car 

If you are in the market for auto insurance for your hybrid or electric car, Ingram Insurance can help! 

We offer a wide variety of policies to fit all budgets and needs, so you can be sure you’re getting the right coverage. Contact us today to learn more about auto insurance in Cheraw, SC.