Do not:  Insure your Irmo, 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. Thankfully Irmo SC is not in a high
risk area.

Do:  Know that NO homeowners insurance policy covers damage from a flood.

Do not:  Think it can’t happen to you even in Irmo, 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 Irmo, 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 Irmo may shock you.

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 Irmo 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 Irmo 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 Irmo SC

Do:  Ask us any questions you may have.  We are here to help our great customers in Irmo, SC.
Insurance | Irmo | SC
Irmo, South Carolina area offices:

800 Columbiana Dr Suite 116       (Gold's Gym Building Irmo)
Irmo, SC 29063
PH)   803-407-9991
Fax)  803-407-4380
Directions and hours of operation:
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Irmo South Carolina Zip Code 29063

"Irmo, SC is the Gateway to Lake Murray".
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Irmo SC insurance quote tips:

Quote your auto or car insurance once a year.  In Irmo 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

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 Irmo 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 Irmo 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 Irmo 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 Irmo 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 Irmo 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 Irmo SC make sure to estimate your payroll or sales numbers accurately.  Our Irmo
SC area agents can help you with these numbers.
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For Irmo area insurance GCI Agents LLC is your answer. We offer auto insurance, home insurance, renters insurance,
business insurance and life insurance to residents of Irmo 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 Irmo, South Carolina from the insurance shopping experts at GCI
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We are the premier insurance agency in Irmo SC , offering coverage in all areas at
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receive quotes, information and to get insured instantly. Serving Irmo, South Carolina.
Other Insurance Products Available For Irmo, SC:
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home insurance | Irmo | SC
Homeowners insurance shopping tips:

Do:  Know your Irmo area home.  Before getting a home insurance quote you should
know your homes square footage, age, roof age, and type of construction.

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 Irmo 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
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business insurance | Irmo | SC
PH)   803-407-9991
PH)   803-407-9991
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