Auto Insurance FAQ

doug • April 11, 2019

Auto Insurance FAQ provided by  Select Source Insurance  Spartanburg SC

A silver car is parked in front of a bunch of question marks.

Auto Insurance Frequently Asked Questions

General

Q: What kinds of questions are there when I’m applying for an insurance policy in   South Carolina?  Why do insurers need so much information? 
A: When you apply for an insurance policy at  Select Source Insurance  you will be asked a number of questions. For example, we might ask your name, age, gender, address, etc. You will also be asked a series of other questions which will be used to determine how likely you are to file a claim.

 

Select Source Insurance  will decide whether or not to offer car insurance to you.  We want to know about your previous driving record, whether they have any recent accidents or tickets, and what type of car will need to be insured.

 

We offer a variety of programs for different customers. Adults with good driving records will generally pay less for car insurance, than young drivers with traffic tickets. In order to determine which program you qualify for, we will need basic information about you.

In addition to your age, gender and driving experience, information about the car you drive, and your driving record, is also needed.  This will help to determine a fair price. For example, a large luxury car costs more to repair or replace than a compact car. Also, someone in  Spartanburg  who commutes 30 miles each way to work is more likely to be in an accident compared to someone who commutes via bus and only drives on weekends.

A black mustang is parked in the snow on a cloudy day.

Frequently Asked Questions

Q: What are the advantages to using an agent to purchase insurance?
A: By using an independent agent such as  Select Source Insurance,  the policyholder receives more personalized service. Having direct contact with us can be very important when purchasing insurance.  Personal service is absolutely necessary when filing a claim.  Select Source Insurance  is able to deliver quality insurance in  Spartanburg SC, Boiling Springs SC, Inman SC, Inman SC, Duncan SC, Roebuck SC, Moore SC, Reidville SC, and Chesnee,
South Carolina.   We have   competitive pricing and local, customized service.

Car Insurance  Frequently Asked Questions For South Carolina  

Q: I have an older car whose current market value is very low – do I really need to purchase car insurance?
A: These laws were enacted to ensure that victims of car accidents receive compensation when their losses are caused by the actions of a driver who caused the accident.  Often times the cost of repairing the damages to an older car is greater than its value. In these cases, your insurer will usually just “total” the car and give you a check for the car’s market value less than the deductible. Many people with older cars decide not to purchase any physical damage coverage.

Q: What is the difference between collision physical damage coverage and comprehensive physical damage coverage?
A: Collision is defined as losses you incur when your car collides into another car or object. For example, if you hit a car in a parking lot, the damages to your car will be paid under your collision coverage.  However, a deductible usually applies.

Comprehensive provides coverage for mostly other direct physical damage losses you could incur, including theft. For example, damage to your car from a hailstorm will be covered under your comprehensive coverage.  This coverage usually has a deductible as well.

Q: What factors can affect the cost of my car insurance in  South Carolina?
A: A number of factors can affect the cost of your car insurance in the upstate.  Some of these factors you can control and some that are beyond your control.

The type of car you drive, the purpose the car serves, your driving record, and where the car is garaged can all affect how much your car insurance will cost you in the upstate.

Even your marital status can affect your cost of insurance. Statistics show that married couples tend to have fewer and less costly accidents than those who are single.

Car Tax Refund

Refunds - SC Vehicle Property Tax

By Doug Stockman • August 21, 2025
Getting your Spartanburg vehicle tax refund: A guide from Select Source Insurance. Did you sell, trade, or wreck (as in a total loss) your vehicle? Did your vehicle get repossessed, or have you moved out of state? You may be eligible for a refund! We understand that navigating property taxes can be confusing, especially when life events like selling or wrecking a car come into play. Many Spartanburg residents don't realize they might be eligible for a refund on their vehicle property taxes in such situations. At Select Source Insurance, we're here to help clarify the process and ensure you get the refund you deserve. When are you eligible for a refund? Spartanburg County offers vehicle property tax refunds in several instances: Selling, Trading, Wrecking, or Repossessing a Vehicle Returning a Leased Vehicle Moving Out of State before your vehicle tag decal expires Transferring a tag does to another vehicle does not qualify What documentation do you need? The required documentation varies depending on why you are seeking a refund. The Spartanburg County Auditor's Office may require: a Bill of Sale Trade-in agreement A statement from your insurance or repossession company Documentation from the leasing company Your new out-of-state registration. How to apply for your refund? You can apply: in person by email: countyauditor@spartanburgcounty.org. by mail: to the Spartanburg County Auditor's office at 366 N. Church Street, Suite 200, Spartanburg, SC 29303 We're here to help Understanding vehicle property tax refunds can be complex. As your local independent insurance agency, we are here to assist with your car insurance needs and related questions. Here is a link: Spartanburg County Tax Refunds Also, did you know you can turn a vehicle tag in online? Yes, it is called a virtual tag turn in or decommissioning a tag. Here is the link: Decommission a Tag If you have questions about eligibility or need help with documentation, contact Spartanburg County. Informational purposes only. Check with the appropriate government entity for actual process.
Cell Phone Hands Free Law

South Carolina Hands Free Law

By Doug Stockman • June 27, 2025
Driving Smarter: Understanding South Carolina's New Hands-Free Law As your trusted independent insurance agency, we're committed to keeping you informed about important changes that impact your driving and, by extension, your insurance. South Carolina is taking a significant step towards safer roads with the new South Carolina Hands-Free and Distracted Driving Act, which goes into effect on September 1, 2025. This law is a crucial update to our state's distracted driving regulations, and it's essential for all drivers to understand its implications. What Does the New Law Prohibit? Beginning September 1, 2025, the new law prohibits drivers from using mobile electronic devices in the following ways while operating a motor vehicle on public roads: Holding or supporting a mobile device with any part of their body. This means no more holding your phone to your ear, resting it on your lap, or wedging it against your shoulder. Reading, composing, or transmitting texts, emails, app interactions, or website information on a mobile device. Watching any motion, including videos, movies, games, or video calls, on a mobile electronic device. It's important to note that this law applies to a broad range of "mobile electronic devices," including cellphones, portable computers, GPS receivers, and electronic games. Are There Any Exceptions? Yes, there are some specific exceptions where you can still use your device: When you are lawfully parked or stopped. When initiating a voice-based communication that is automatically converted to text, as long as you are not holding or supporting the device. When reporting an accident, emergency, or safety hazard to a public safety official. For navigation, listening to audio-based content, or obtaining traffic/road condition information, provided the device is not held or supported by your body. To initiate or end a cellular call without typing, and without holding or supporting the device. When using equipment or services installed by the original manufacturer of the vehicle. Penalties for Violations To allow drivers time to adjust, law enforcement officers will only issue warnings for violations during the first 180 days after the law goes into effect (from September 1, 2025). After this warning period, the penalties will be: First offense: A fine of $100. Second or subsequent offense (within three years): A fine of $200 and two points assessed against your driver's license. It's important to remember that officers can stop you if they have a clear and unobstructed view of you unlawfully using a mobile electronic device. While you cannot be arrested solely for a hands-free violation (unless you fail to appear in court or pay a fine), accumulating points on your license can impact your driving record and potentially your insurance rates. Why This Matters for Your Insurance Distracted driving is a leading cause of accidents. This new hands-free law aims to reduce those accidents, making our roads safer for everyone. For you, as a driver, adhering to this law is not just about avoiding fines and points; it's about reducing your risk of being involved in a collision. Fewer accidents can lead to: Lower insurance premiums: A clean driving record with no distracted driving violations can help keep your car insurance rates down. Avoiding claims: Preventing accidents means you won't have to go through the hassle of filing an insurance claim, dealing with repairs, or managing potential injuries. Protecting your deductibles: Each claim typically involves paying a deductible, so avoiding accidents saves you money out-of-pocket. As your independent insurance agency, we work with multiple carriers to find you the best coverage at the most competitive rates. By driving responsibly and complying with the new hands-free law, you're not only contributing to safer communities but also actively helping to protect your insurance standing. If you have any questions about how this new law might affect your specific insurance policy or if you'd like to review your current coverage, please don't hesitate to contact us. We're here to help you navigate these changes and ensure you're well-protected on the road.
Centrally Issued SC DL

South Carolina Teens will have to wait for their license starting this fall.

By Doug Stockman • June 23, 2025
South Carolina Teens will have to wait! Coming Soon: Stronger, Safer SC Driver's Licenses Are On The Way! As your trusted independent insurance agency in Spartanburg, we're always looking out for updates that impact our community. That's why we want to bring your attention to an important change coming to the South Carolina Department of Motor Vehicles (SCDMV) this fall: the rollout of more secure driver's licenses, beginner's permits, and identification cards. This isn't just a cosmetic update; it's a significant step forward in protecting South Carolinians from identity fraud and ensuring the integrity of our official identification documents. What's Changing and Why It Matters The SCDMV is modernizing the way licenses and ID cards are produced, incorporating advanced security features and upgraded materials. Here's a breakdown of what you can expect and why these changes are so beneficial: Enhanced Security Features: The new cards will be made from stronger materials and utilize state-of-the-art printing techniques, including laser engraving. This makes them significantly more resistant to counterfeiting, providing better protection against identity theft for you and a more reliable credential for law enforcement and businesses. Centralized Issuance: South Carolina is joining at least 45 other states and the District of Columbia in centralizing the production of all licenses, permits, and ID cards. This process enhances efficiency and allows for the inclusion of high-level security elements that weren't previously feasible. New Look, Familiar Symbols: While specific design details are still to be announced, the new cards will prominently feature iconic South Carolina symbols like the Palmetto Tree and the State House, making them both secure and a proud representation of our state. What Does This Mean for You? Good news! You do not need to take any immediate action. Your current South Carolina driver's license or identification card remains valid until its listed expiration date. However, here's what to keep in mind for new applications or renewals: In-Person Application, Mail Delivery: Beginning this fall, you will still apply for licenses or ID cards in person at SCDMV branches. You'll present your required documentation and complete any applicable testing. Temporary Certificate: Instead of walking out with your permanent card, you'll receive a temporary driving certificate or identification certificate. This temporary document will be valid for driving, voting, and other uses while you await your permanent card. Mail Delivery for Permanent Card: Your new, permanent, secure card will arrive by U.S. mail within 7-15 business days. Don't Wait Until the Last Minute: If your license is nearing expiration, the SCDMV encourages you not to wait until the very last day to renew. Since the new cards will be mailed, allow ample time for delivery. REAL ID Remains Important: While separate from this security upgrade, remember the importance of a REAL ID. As of May 7, 2025, a REAL ID compliant driver's license (indicated by a gold star) or another federally approved identification (like a valid U.S. Passport) is required to board domestic commercial flights or enter secure federal facilities. If you plan to fly or access federal buildings, ensure your current license is REAL ID compliant or plan to obtain one during your next renewal. We believe these advancements from the SCDMV are a positive step for all South Carolinians. A more secure driver's license helps protect your personal information and provides greater peace of mind in our increasingly digital world. As always, if you have any questions about how these changes might impact your insurance needs, or if you need assistance with any of your personal or business insurance policies, don't hesitate to contact us. We're here to help you navigate these updates and ensure you're always well-protected. More information here: South Carolina DMV - Roll Out