Rick the Insurance Guy
Gilliland Insurance
People | Profits that's how I do business
Gilliland Insurance, and the subsidiary, Rick the Insurance Guy are owned and operated by founder, and owner Rick Gilliland, a licensed insurance professional serving the state of South Carolina. All insurance services and advice provided are in accordance with state regulations and industry standards. Gilliland Insurance is located and operates in South Carolina and complies with all applicable licensing and regulatory requirements.
Frequently Asked Questions
Our Insurance Services
At Rick The Insurance Guy, we are dedicated to providing you with the best auto insurance coverage tailored to your needs. With years of experience in the industry, our team of experts is here to guide you through the process and ensure you have the protection you deserve. We understand the importance of safeguarding your vehicle and loved ones, which is why we offer competitive rates and personalized service. Trust Rick The Insurance Guy for all your auto insurance needs.
FAQ
Personal Auto Insurance FAQs
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What does personal auto insurance cover? Personal auto insurance provides coverage for your vehicle in the event of an accident, theft, or damage. It typically includes liability (for damage to others), collision (for damage to your car), and comprehensive (for non-collision events like theft or vandalism). We can help you tailor a policy that suits your needs.
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How is my auto insurance premium determined? Your premium is influenced by factors like your driving record, the type of car you drive, your age, location, and how much you drive. We’ll help you find ways to keep your rates affordable while ensuring you have the right coverage.
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What should I do if I get into an accident? If you're in an accident, ensure everyone is safe, call the police if necessary, and exchange information with the other driver. Afterward, contact us to file a claim, and we’ll guide you through the process of getting your car repaired and your claim handled.
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Can I save money on my auto insurance? Yes, there are several ways to save! You can bundle auto insurance with your home or business policies, maintain a clean driving record, install safety devices in your car, or choose a higher deductible. We’ll help you explore all the discounts available to you.
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Do I need full coverage for my car? Full coverage is not legally required but is recommended if your car is financed or leased, or if it’s worth a significant amount. We’ll assess your situation and help determine whether full coverage is the right choice for you.
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What is uninsured/underinsured motorist coverage? This coverage helps protect you if you’re involved in an accident with a driver who doesn’t have enough insurance to cover the damages. It’s an important addition to your policy to ensure you're fully protected in case of an accident with an at-fault driver.
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How can I lower my auto insurance premiums? You can lower your premiums by maintaining a good driving record, choosing a higher deductible, taking advantage of discounts for safe driving, or bundling your auto insurance with your home or business policies.
Home Insurance FAQs
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Does my auto insurance cover my home? No, auto insurance and home insurance are separate policies. Home insurance covers damage to your property and belongings, as well as liability for injuries that occur on your property. If you’re looking to protect both your car and your home, we can help you bundle your policies for additional savings.
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How can I save on home insurance? Bundling your home and auto insurance policies with us can save you money. Additionally, installing home security systems or smoke alarms can help lower your premiums.
Business Insurance FAQ
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Do I need business insurance if I own a small business? Yes, if you own a business, commercial insurance is important to protect against liabilities, property damage, and employee injuries. We offer various coverage options, including general liability and commercial auto insurance, to help safeguard your business.
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Can I bundle my business insurance with my personal policies? Yes! We offer bundle options for both personal and commercial insurance, making it easier to manage your coverage and save money on your premiums.