Beacon Auto Insurance

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Company Details


60 Pennington Drive

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Things to Remember...

  • Beacon Insurance provides personal and commercial insurance to customers in South Carolina
  • Beacon Insurance offers policies that include the minimum legal limits in South Carolina as well as additional limits
  • Beacon Insurance allows customers to save on insurance in a variety of ways including good driving records

A Beacon auto insurance review determines that there are several variations of Beacon insurers throughout the country.

The Beacon Insurance Group of South Carolina most closely identifies with the Beacon Insurance Group name.

Beacon Insurance Group was acquired by State Auto Mutual of Ohio, a company that has been around since 1921.

State Auto Mutual is the parent company of several other insurance outfits that serve 33 states in the U.S. under different names.

Insurers often merge and embark on company acquisitions on a regular basis to become more diversified and financially secure in their business holdings.

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Beacon Auto Insurance Policies


The standard Beacon auto insurance policy will include the minimum legal requirements for drivers in South Carolina.

The minimum limits in South Carolina are 25/50/25 which translates to $25,000 in liability and damages for one incident and one person.

For all persons involved in a single incident $50,000 is the maximum payout. The final $25,000 covers liability for property damage in a single accident.

South Carolina requires that each driver sign off on a declaration that they carry liability coverage.

The DMV now has the capability to verify the accuracy of this information through electronic cross reference technology.

If they determine that you falsely declared liability coverage, your registration may be voided.

Beacon Auto Insurance Additional Coverage


If you carry a lien on your vehicle, you may be required to carry two types of auto insurance:

  • Comprehension – protects your vehicle against theft, damage from inclement weather conditions, fire, or vandalism
  • Collision – covers your vehicle in the event of an accident with another vehicle

You are not limited to the minimum coverage if it is financially feasible to carry additional coverage.

Some people opt to carry more than the minimum if they have a newer car, assets to protect, or a lack of savings to cover uninsured drivers and medical costs.

People with specialty vehicles or custom features also carry additional coverage.

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Beacon Auto Insurance Discount Savings

There are many ways to save on the high cost of car insurance. Your agent will be happy to assist you in qualifying for auto insurance discounts.

One definite way to save is to have a safe driving record.

A good credit rating is an automatic savings, but on average there are more people with average credit than what is considered good credit.

Are you a member of AAA or AARP? Perhaps you are a member of a special group like the National Bar Association or the Association of Realtors. These groups qualify for discounts.

Teen drivers may save on the high cost of high-risk coverage by taking safety driving courses. These courses are offered by DMV for a small fee.

Your Beacon agent will guide you in finding the discounts you deserve.

Beacon Auto Insurance for Watercraft


Insurance is not usually required for boats although the average boat owner will insist on insuring such an investment.

Whether you use your boat for cruising, fishing, or even racing, Beacon Insurance will find the right policy for you.

Boaters also have to be mindful of possible liability while enjoying those adventures on the water. Plan options include liability, medical, and damage coverage for you, your passengers and others that may be involved.

Watercraft is not limited to boats since it’s a possibility you have jet skies or a yacht. Participating in a boating safety course may also save you money on your policy as well.

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