The Great Insurance Showdown: Who has the cheapest car insurance?

The TL;DR (No Cap) Car insurance isn't some cheugy boomer paperwork. It’s about protecting your present and future bag. It’s what turns a life-altering financial disaster into a manageable Tuesday. Think of your insurance agent as your hype squad. We're here to explain the tea on deductibles, coverage limits, and make sure you're not paying for a policy that’s mid. The Bottom Line: Don’t simp for a cheaper premium that leaves you exposed. Get the right coverage. Secure your whip. Protect your peace. That's true main character energy. The Tea on Car Insurance: Why Do I Need to Drop Stacks on Something I(hopefully) Won't Even Use? Hey besties. Let's be real. Nobody is stoked about spending their hard-earned cash on car insurance. It feels like one of those things your parents—bless their hearts, they're kind of cheugy—keep telling you is "essential." You’re probably thinking, "Big Yikes, is this even a vibe? Why do I need to drop stacks on something I (hopefully) won't even use?" We get it. You're trying to save your bag, maybe finally afford that drip, or just keep that avocado toast habit alive. But hear us out, because don't simp for cheaper premium, because life without car insurance is seriously not the vibe, and honestly? That’s some major delulu behavior. 🚗 Scenario 1 : You're on Vibe Check Street and Things Go Sideways Picture this: You’re cruising, the playlist is absolutely slapping, and you're feeling like the main character. Then, BAM! A chaotic squirrel runs into the road, you swerve, and now your bumper is looking kinda… mid (or worse, completely busted). Without car insurance, that little "oopsie" instantly becomes a gigantic L. You are now personally funding the body shop, which is an express ticket to Brooksville (population: you). If you have a loan, your lender is going to be shook—and not in a good way. The Insurance Slay: If you have comprehensive and collision coverage, you can low-key just file a claim. You pay your deductible (which is usually much smaller than a whole repair bill), and your insurance company steps in and says, "Bet." Suddenly, that Big Yikes situation is just a minor inconvenience, not a financial dumpster fire. You're winning, which is a big fat W. 💥 Scenario 2 : It Wasn’t You, It Was Karen Okay, so let’s say you are driving perfectly. You have that rizz behind the wheel. But then, some absolute NPC runs a stop sign and totals your whip. What about your car? If the other person has terrible insurance (or, yikes, none), and you only have basic liability, your car is toast, or is it? Would you be getting ghosted by your savings account? The Insurance Slay: If you went for Uninsured(required)/Underinsured Motorist Coverage (which is a total flex), your policy steps up to pay for your stuff (up to the limits) when the other driver is broke or capping about their coverage. You get your ride fixed, you avoid being salty, and you keep the good vibes rolling. What if it is your fault? This is where your Liability Coverage is the real MVP. Legally, you need this at a bare minimum. It means if you are at fault for an accident, your insurance pays for the other person's damages (car repairs, medical bills, etc., up to the policy limits) so that they don't drag you in court and take your house money. Do you have the right limits? Ready to stop being delulu and get a quote that actually slaps? Hit us up. We'll make it quick, easy, and not at all cheugy. Bet! "Yo, need to scoop a quote for car insurance. What's the tea on the cheapest rates for my whip?" Our clients live in Spartanburg, Boiling Springs, Inman, Duncan, Roebuck, Moore, Lyman and the general upstate.

Ugh, My Rate Went Up for a Not-at-Fault Accident? It's the ultimate insurance head-scratcher. You're driving along, minding your own business, and then BAM! Some other driver turns your day into a metal-crumpled mess. But wait, it's not your fault! The police report says so, the other driver's insurance company agrees, and you're feeling pretty good about the whole thing. You and the other driver are not hurt and now your car is fixed. Then you get your renewal notice. Your heart sinks. Your insurance rate has gone up. But…why? Didn't we just establish that you were the innocent bystander in this whole debacle? It's a frustrating, perplexing situation that feels about as fair as getting a parking ticket for a car you don't even own. At Select Source Insurance, we hear this question a lot. We get it, it's maddening. So let's try to demystify this insurance riddle together, one slightly-less-maddening explanation at a time. The Crystal Ball of Risk Insurance companies are essentially professional fortune-tellers. They use all sorts of data to predict who is most likely to file a claim in the future. The "riskier" you appear, the more you're likely to pay for insurance. A not-at-fault accident, while not your fault in the traditional sense, can still be a blip on their risk radar. Here's what they're seeing: You're on the road more. If you're involved in an accident, even if it's not your fault, it indicates you're spending time on the road where these things happen. The more you drive, the higher the chance of being in an accident, even if you are the world's most defensive driver. Driving Habits: Even if you're not at fault, an accident can be a sign of unsafe driving habits. Consider this common scenario: you're following a car too closely, and they suddenly hit their brakes. You manage to stop in time, but the car behind you doesn't, resulting in a rear-end collision. While you may not be considered at fault, your decision to tailgate created a domino effect, leading to the crash. This is just one of many examples of how a lack of attention to safe driving practices can contribute to an accident. Stand Alone: This one incident, in and of by itself, may not impact the rate that much, but if another incident similar or different it will have more impact on the rate. The insurance company starts to see a pattern. The "Luck" Factor. Some insurance companies use a more statistical approach. They see that you've been in an accident, and their data might show that people who have been involved in one accident, even a not-at-fault one, are slightly more likely to be involved in another. It's not a judgment on your driving skills, but a cold, hard, and somewhat comical statistical reality. The Cost of Doing Business. Even in a not-at-fault claim, your insurance company might still have to pay for things. They might cover the rental car while your vehicle is being repaired or towing until they're reimbursed by the other driver's insurance. These costs, however small, are still part of a claim, and claims affect rates. The Solution: We Can Help! So, what's an innocent driver to do? The good news is, you're not stuck. This is precisely where being an independent insurance agency like Select Source Insurance makes all the difference. We aren't tied to a single insurance company. We work with a whole bunch of them! If one company decides to punish you for being a victim of circumstance, we can shop around for you. We can find a different insurance company that has a more favorable view of not-at-fault accidents. Think of us as your personal insurance matchmaker. We know which companies are more forgiving and which ones are more likely to raise rates for even the smallest claim. Our job is to find you a policy that offers great coverage without making you pay for someone else's mistake. The Bottom Line Yes, it's a bit ridiculous that your rates can go up for a not-at-fault accident. It's one of those bizarre insurance quirks that makes you want to shake your fist at the sky. But it's not a dead end. Give us a call. We'll do the shopping and negotiating for you. Let us find you a rate that reflects your driving, not someone else's.