|Do not: Insure your Hilton Head Island, SC home based on the loan value or the purchase price.
Do: Know that some carriers add a wind or hurricane damage deductible on top of the standard deductible to policies for houses in
areas prone to such damage. In some places earthquake deductibles apply. Places that are deemed high risk to wind and hail damage
may even exclude it from the policy all together. Those cases require a separate wind and hail or “hurricane” insurance policy.
Do not: I know it’s hard sometimes and we have all heard the term insurance poor, but try not to get frustrated if you live in a high risk
area. Our agents are here to help protect your home from risk. If you chose to live in a high risk area there are unique costs associated
with that decision. We try our best to explain the options available so you can make a sound decision.
Do: Know that NO homeowners insurance policy covers damage from a flood.
Do not: Think it can’t happen to you even in Hilton Head Island, SC.
Do: Buy additional coverage for luxury items like furs, jewelry and artwork or home-based business equipment like computers and tools.
Your regular policy may not cover the cost to replace these items in the event of loss.
Do not: Ever hesitate to give us a call with any questions you may have.
|Auto insurance shopping tips for Hilton Head Island, SC:
Do: Know your vehicle. Yes you need to know the year, make, and model. It’s good to know the value of the vehicle or what it would
cost to buy another one in like condition.
Do not: Assume your old car or truck is worthless. A quick search on what like vehicles are selling for near Hilton Head Island may
Do: Know that if you are in an accident driving with state minimum coverage and are hit by a driver with state minimum coverage you
may have a serious gap in coverage if the accident is severe. You could be stuck with a large medical bill even though you are not at
fault. Buy limits of liability higher than the state minimums. Buy underinsured and uninsured coverage.
Do not: Buy state minimum coverage. If having a large bill for an accident you did not create is not motivation enough then allow one of
our agents to show you how a Risk Profile Reduction Plan can get you more coverage in Hilton Head Island SC for less than you would
pay for minimum coverage.
Do: Use some of our special plans to help lower your costs. We have a teen driver discount plan, hybrid vehicle discount plan, classic
car plan, and of coarse our Risk Profile Reduction Plan. They are all designed to help you save. Ask us what’s new with auto insurance
in Hilton Head Island SC.
Do not: Make a bad decision because you are in a rush to get insured. Take a minute and get to know the person and company you’re
doing business with in Hilton Head Island SC
Do: Ask us any questions you may have. We are here to help our great customers in Hilton Head Island, SC.
|Hilton Head Island, South Carolina area offices:
Yes we insure coastal properties...
Directions and hours of operation:
Hilton Head Island area map:
Hilton Head Island SC Traffic Cameras
See traffic camera locations here
Road Conditions For Hilton Head Island South Carolina
Current road conditions here
Hilton Head Island SC weather
Hilton Head Island South Carolina Zip Codes
29915, 29925, 29926, 29928, 29938
|ASK ABOUT OUR RISK
PROFILE REDUCTION PLAN
|AUTO * HOME * BUSINESS * BOAT
|Hilton Head Island SC insurance quote tips:
Quote your auto or car insurance once a year. In Hilton Head Island SC our offices are here to provide a quick auto or car
insurance quote even for our existing clients. We have been able to lower rates for car or auto insurance clients that have been
with us for 3 or more years.
Look at increasing your auto or car insurance liability limits. Having increased auto or car insurance liability limits can qualify your
risk for a preferred rating tier. Any of our Hilton Head Island SC area agents can explain how this can get you a lower auto or car
insurance quote or rate.
Ask about EFT discounts. Having the monthly premium automatically deducted can lower clients auto or car insurance monthly
rates. All our Hilton Head Island SC area agents can help find the right pay plan for you.
Clients living in homes constructed within the last 10 years need to keep in mind that new home discounts decrease over time.
Quote homeowners insurance rates every few years in these cases. Our Hilton Head Island SC area agents can help make sure
clients are receiving the maximum discounts.
Clients that have had a claim in the past should check with their Hilton Head Island SC insurance agent every year so that the
homeowners insurance rate can be quoted again without the claim. This will make sure the risk is properly rated.
A quote for homeowners insurance can be reviewed by any of our Hilton Head Island SC area agents. Ask about new coverage
areas offered as companies change their policies every few years.
When getting a quote for business insurance in Hilton Head Island SC make sure to estimate your payroll or sales numbers
accurately. Our Hilton Head Island SC area agents can help you with these numbers.
|Get multiple quotes on Auto,
Home, Renters, and Business
insurance in minutes from a
local Hilton Head Island SC
insurance agent now.
|For Hilton Head Island area insurance GCI Agents LLC is your answer. We offer auto insurance, home insurance, renters
insurance, business insurance and life insurance to residents of Hilton Head Island and surrounding areas. We are your
one-stop shop for insurance, whether it is a car insurance or homeowners insurance quote that you are seeking. Make sure you
have adequate coverage in every possible situation with the best insurance quotes for Hilton Head Island, South Carolina from the
insurance shopping experts at GCI Agents LLC.
We are the premier insurance agency in Hilton Head Island SC , offering coverage in all areas at low rates. With some of the top
insurance agents in Hilton Head Island, South Carolina you can be sure that you are receiving the best service and support when it
comes to your insurance plan. For the top insurance, look no further than the insurance shopping experts at GCI Agents LLC.. Give
our agents a call to receive quotes, information and to get insured instantly. Serving Hilton Head Island, South Carolina.
|Other Insurance Products Available For Hilton Head Island, SC:
|Homeowners insurance shopping tips:
Do: Know your Hilton Head Island area home. Before getting a home insurance
quote you should know your homes square footage, age, roof age, and type of
Do not: Forget to increase your liability limits. Many home insurance companies will
increase your home insurance policy's limits for just a few dollars extra.
Do: Insure your Hilton Head Island home to replacement cost value. Buy enough
coverage to rebuild your home if the worst were to happen. Talk to a professional
agent and determine how much it would cost to duplicate the size and style of the
home you are currently in. Our agents have a computer program designed to
determine the cost of replacing your home. Better to pay a little more in premiums
than a lot more for a new house.