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6265 Rivers Ave, North Charleston
SC 29406

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Three Ways to Save on Auto Insurance

We know the rising cost of auto insurance premiums continues to be a concern amongst Americans. Regardless of whether you have filed a claim, your premium may rise as insurance companies continue to cope with inflation and an increase in theft and accident claims. Although many of these factors are out of your control, there are still steps you can take to keep your premiums as low as possible.

  1. Schedule an insurance review. We can help you find coverage for your specific needs as well as identify discounts you may not realize are available. By enrolling in automatic payments, bundling products, or maintaining a clean driving record, you may be eligible to receive additional discounts. Our team of advisors can provide a complimentary review to help you get the most out of your auto insurance.
  2. Participate in a safe driver program. Many insurance carriers offer safe driver programs which are designed to reward your safe driving practices. Also known as usage-based-insurance (UBI), these programs help align your auto policy’s cost with your actual driving habits by collecting data on your driving behavior over a period of time using a plug-in device or mobile app. While your auto insurance rate could be substantially discounted, it is possible that your policy’s premium may increase based on the results of the program. Our advisors can help you determine if a UBI program with one of our carriers, like Snapshot by Progressive, SmartRide by Nationwide, or IntelliDrive by Travelers, is a good option for you.
  3. Take a defensive driving course. Some insurance companies offer a multi-year discount on auto insurance by passing a state-approved defensive driving course. The South Carolina Department of Motor Vehicles (SCDMV) recommends the National Safety Council’s 4-Hour Defensive Driving Course which may be completed online. Our insurance advisors can help you determine your insurer’s available discounts.  

As an independent insurance agency, you can count on our licensed advisors to help you build a coverage plan tailored to your lifestyle at a price you can afford. Have a question about your policies? Give us a call at 833-359-0725 or email us to learn more.

Required Commercial Insurance in South Carolina

When you own a South Carolina business, it’s important to know which types of commercial insurance may be required for you. There are two types that may be required for your business, so you need to understand each of them. There are also many commercial policies that aren’t required but are very helpful to businesses. If you need any type of commercial insurance, call us at SCF Solutions in Charleston, SC to find out more.

Required Commercial Insurance 

Workers’ Compensation Insurance

If a business in South Carolina has at least four employees, they are required to have this type of insurance. This is the case whether the employees are part-time or full-time. Workers’ compensation insurance pays for the bills that result from someone getting injured on the job or contracting a work-related illness. With this insurance, the medical bills from the injury or illness are covered, but it also pays a number of other costs. It can give disability benefits to the injured worker as well as pay your legal fees related to the case. 

Commercial Auto Insurance

When your South Carolina business owns a vehicle of any kind, that vehicle has to be covered by a commercial auto policy. This policy will cover the bills relating to accidents that your vehicle gets into. However, it’s only liability coverage that is required. If you want damage to your own vehicle covered, you need to get collision coverage. The required auto insurance coverage requires an amount of bodily injury liability for each person injured. It’s also required to have another amount of coverage for all of the injury liability from the accident. There is also a property damage liability amount required. If your business is a trucking company, there will be additional types of insurance that you need for your vehicles. 

Call Us Today

To get your commercial insurance, call us at SCF Solutions in Charleston, SC.



Servicing States

  • South Carolina
  • North Carolina
  • Georgia


Our Carriers

  • Allied
  • Allied Trust
  • ASI/Progressive
  • All Risks
  • Foremost
  • Liberty Mutual
  • Main Street/Old Dominion
  • National Flood Services
  • National General
  • National Security
  • Neptune Flood
  • Openly
  • Orion180
  • Progressive
  • Safeco/Liberty Mutual
  • Sagesure
  • Slide
  • The Hartford
  • Travelers
  • TypTap
  • Universal Property
  • Utica