Month: September 2025

Our vehicles play a vital role in our daily lives – from commuting to work to transporting loved ones. They’re not just a convenience, they’re a key investment we depend on and take pride in maintaining.

At South Carolina Federal Insurance Solutions, we understand that protecting your vehicle is essential, especially when severe weather strikes.

Each insurance claim you file can potentially impact your premium. That’s why it’s important to take proactive steps to protect your vehicle and avoid unnecessary claims caused by weather-related damage.

Whether it’s pouring rain or gusty winds, driving in bad weather can be dangerous. Here are some ways to stay safe and reduce the risk of damage:

• Regularly check your tire pressure to help maintain strong traction in rain, ice, snow, and wind.
• Ensure your windshield wipers and headlights are in good condition and working properly for clear visibility during storms or low-light conditions.
• Avoid driving through deep puddles of water on the road wherever possible. If unavoidable, maintain a steady speed – not too fast where you could create a wave and lose control of your vehicle, but not too slow to stall your vehicle in the water.
• Limit nighttime driving during and after winter weather to avoid black ice.
• Don’t park under trees if a hurricane is approaching or during windstorms or ice storms, as falling branches can cause significant damage.
• Keep your gas tank at least half full to avoid running out during emergencies or having to drive in poor conditions to refuel.

Have questions about protecting your car in inclement weather or need to make sure your current policy has you covered regardless of the forecast? Call one of our experienced insurance advisors today at (833) 359-0725.

At Insurance Solutions, we’re here to help – in every season of life.

If you’re a safe driver or someone who doesn’t drive often, you could save on your car insurance with a telematics program through your insurance carrier.

Telematics car insurance programs use technology to monitor your driving habits and calculate your individual risk level. These programs typically operate through a mobile app or small device that plugs into your vehicle. By collecting real-time data, insurers can offer personalized rates based on how you drive. The safer and more consistent your habits, the more you could save – with some drivers even earning discounts of up to 20%.

Insurance carriers can track a variety of factors through telematics programs, including:

• How you drive (i.e., speed, braking, acceleration)
• When you drive (time of day)
• Where you drive (road types and areas)
• How much you drive (annual mileage)

If you’re cautious behind the wheel or are a low-mileage driver, a telematics program could help lower your insurance costs. Instead of relying solely on traditional rating factors, which is how traditional car insurance policies are priced, your carrier can use telematics data to tailor your premium to reflect your actual day-to-day driving behavior.

However, it’s important to note that some carriers may remove the initial discount – or even add a surcharge – based on your driving performance. Telematics programs provide daily feedback and an updated “grade,” meaning your rate could change as your driving habits are continually monitored.

At South Carolina Federal Insurance Solutions, we understand how important it is to get the best value from your auto insurance, and we’re here to help you select the best option for your current needs. Telematics programs can be a great way to reward safe habits with real savings.

Our experienced advisors are here to help you compare quotes from multiple top-rated insurance carriers that offer telematics programs. We’ll guide you through your options and find a plan that fits your lifestyle and budget.

Click here to contact an Insurance Solutions advisor to learn how you could save money on your car insurance with a telematics program.

After officials implemented a 25% tariff on auto parts, there is growing concern in the auto industry that it could have a serious impact for car owners across the country.  

According to MarketWatch, auto insurance premiums could increase by up to 8% by the end of 2025. Why? Because when the cost of auto parts goes up, so does the cost of vehicle repairs. As repair costs climb, insurers are likely to raise premiums across the board to help offset those expenses.

In fact, industry analysts estimate the added expense could total between $7 billion and $24 billion in additional claim costs per year. That means insurance companies may start adjusting rates within 12 to 18 months of the tariffs taking effect.  

At South Carolina Federal Insurance Solutions, we’re committed to helping you find auto coverage that fits your budget without compromising the protection you need. Our advisors can compare quotes from multiple top-rated carriers and help you select the best option for your current needs.

Click here to get personalized guidance on your auto insurance options today.