What to Know About Select Insurance Group in South Carolina
Select Insurance Group operates in South Carolina as a regional auto insurer offering coverage to drivers across the state
Select Insurance Group is a property and casualty insurance company that writes auto policies in South Carolina. The company is licensed to operate in the state and offers standard auto insurance products, including liability, collision, and comprehensive coverage. Like other insurers operating here, Select Insurance Group must comply with South Carolina's Department of Insurance regulations and maintain specific reserve requirements.
The company serves drivers who are shopping for auto insurance options in South Carolina's competitive market. Understanding how Select Insurance Group fits into your choices means knowing what coverage types they offer, how their rates compare, and what their customer service record shows.
Key Takeaways
- Select Insurance Group is a licensed auto insurer in South Carolina regulated by the state's Department of Insurance.
- The company offers standard auto insurance products including liability, collision, comprehensive, and uninsured motorist coverage.
- South Carolina requires minimum liability coverage of 15/30/25 (per-person bodily injury, per-accident bodily injury, and property damage), which Select Insurance Group policies must meet.
- You can compare Select Insurance Group rates against other South Carolina insurers by requesting quotes and reviewing coverage options side by side.
- The National Association of Insurance Commissioners (NAIC) database allows you to research complaint history for any licensed insurer, including Select Insurance Group.
Coverage types Select Insurance Group offers in South Carolina
Select Insurance Group provides the standard auto insurance products available in South Carolina. Liability coverage pays for damage or injuries you cause to another person or their vehicle. Collision coverage pays for damage to your own vehicle from an accident with another car or object. Comprehensive coverage pays for damage from events outside your control—theft, weather, vandalism, or animal strikes.
The company also offers uninsured motorist coverage, which protects you if you are hit by a driver without insurance or with insufficient coverage. Underinsured motorist coverage extends that protection when the at-fault driver's policy limits are too low to cover your damages. You can typically adjust deductibles and coverage limits when you get a quote, which changes your premium.
South Carolina's minimum insurance requirements and Select Insurance Group
South Carolina law requires all drivers to carry auto insurance. The state's minimum liability limits are 15/30/25: $15,000 per person for bodily injury, $30,000 per accident for bodily injury, and $25,000 for property damage. Any policy from Select Insurance Group sold in South Carolina must meet or exceed these minimums.
Many drivers carry higher limits than the state minimum, especially if they have assets to protect or are financing a vehicle. If you are financing or leasing a car, your lender will require collision and comprehensive coverage up to the vehicle's value. Select Insurance Group policies can be structured to meet lender requirements as well as state law.
How to get a quote from Select Insurance Group
To request a quote, you will need basic information: your driver's license number, vehicle identification number (VIN), current coverage details if you have existing insurance, and your driving history. Most insurers, including Select Insurance Group, use this information to calculate your rate. You can typically request a quote online, by phone, or through an agent.
When comparing quotes from Select Insurance Group to other insurers, make sure the coverage limits and deductibles are the same across all quotes. A lower premium might reflect lower coverage limits rather than a better rate. Requesting quotes from at least three insurers gives you a realistic picture of what coverage costs in your area and your risk profile.
Checking complaint history and financial stability
The National Association of Insurance Commissioners (NAIC) maintains a public database where you can search complaint history for any licensed insurer. Visit the NAIC Consumer Information Source at www.naic.org to look up Select Insurance Group's complaint ratio and complaint types. A complaint ratio compares the number of complaints an insurer receives to its market share in the state.
You can also check financial stability ratings through agencies like A.M. Best or Standard & Poor's, which rate insurers' ability to pay claims. The South Carolina Department of Insurance website (doi.sc.gov) lists all licensed insurers in the state and provides contact information for filing a complaint if you have a problem with any insurer's service or claims handling.
Discounts and factors that affect your rate
Most auto insurers, including Select Insurance Group, offer discounts for bundling policies (home and auto together), maintaining a clean driving record, completing a defensive driving course, or installing safety features in your vehicle. Some companies offer usage-based discounts if you allow them to monitor your driving habits through a mobile app or device. Ask about all available discounts when you request a quote.
Your rate depends on factors you cannot change—age, gender, and marital status—and factors you can influence, such as your driving record, the type of vehicle you drive, how much you drive annually, and your credit history. South Carolina law allows insurers to use credit-based insurance scores when calculating rates. If you have had accidents or violations, rates typically decrease over time as those incidents age off your record.
What to do if you have a problem with Select Insurance Group
If you have a dispute with Select Insurance Group over a claim denial, rate increase, or service issue, start by contacting the company's customer service department directly. Most disputes can be resolved through the insurer's internal complaint process. Keep copies of all correspondence, policy documents, and claim-related paperwork.
If Select Insurance Group does not resolve your complaint to your satisfaction, you can file a complaint with the South Carolina Department of Insurance. The department investigates consumer complaints and can take action against insurers that violate state law. You can file online at doi.sc.gov or by phone at 803-737-6180. There is no cost to file a complaint with the department.
Frequently Asked Questions
Is Select Insurance Group licensed to sell auto insurance in South Carolina?
Yes, Select Insurance Group is licensed by the South Carolina Department of Insurance to write auto policies in the state. You can verify any insurer's license status on the Department of Insurance website at doi.sc.gov by searching the company name in their licensed insurer database.
What is the difference between collision and comprehensive coverage?
Collision coverage pays for damage to your vehicle from an accident with another car or object. Comprehensive coverage pays for damage from events you cannot control, such as theft, weather, vandalism, or hitting an animal. Both are optional unless your lender requires them.
How do I compare Select Insurance Group rates to other insurers?
Request quotes from at least three insurers using the same vehicle information, coverage limits, and deductibles. This ensures you are comparing the same protection across companies. Most insurers provide quotes online within minutes or by phone within a day.
Can I file a complaint about Select Insurance Group with the state?
Yes. The South Carolina Department of Insurance accepts complaints about any licensed insurer. File online at doi.sc.gov, by phone at 803-737-6180, or by mail. The department investigates complaints at no cost to you and can take action if the insurer violated state law.
What happens if I let my auto insurance lapse in South Carolina?
Driving without insurance in South Carolina is illegal and can result in fines, license suspension, and civil liability for any accidents you cause. If your policy lapses, notify your insurer or agent immediately and purchase new coverage as soon as possible to avoid penalties.