If you've opened your renewal lately and thought, "There's no way my insurance should have gone up this much!" you're not alone. I hear it almost every day. The good news? You're probably not being singled out. The bad news? Insurance costs have been rising across South Carolina, even for people with perfect driving records and no claims. So... what's causing the increase? Think of insurance like a giant community piggy bank. Everyone pays into it, and when accidents, storms,

In South Carolina, state law allows you to replace a cracked or broken windshield with no deductible out of your pocket. Sounds like a freebie, right? Not quite. What’s true: You won’t have to pay your deductible when you file a comprehensive claim for a windshield replacement. What’s not true: That doesn’t mean it’s free. Your insurance company still pays the glass shop. And yes, it still counts as a claim. Every claim is tracked, even glass claims are factored in when your