Auto Insurance
Auto Insurance
Personal Auto Insurance in the Coastal Carolinas
Protection for You, Your Family, and Your Ride
Living along the coast comes with its perks—beautiful views, fresh ocean air, and easy access to the water. But it also comes with unique risks when it comes to driving. From heavy tourist traffic to the added concerns of flooding, and hurricane season, the right personal auto insurance is essential.
At Nicholas Insurance Solutions at the Beach, we help coastal drivers protect more than just their vehicles—we help protect peace of mind.
Why Auto Insurance Matters
South Carolina law requires drivers to carry minimum auto insurance, but sticking with “just the basics” often leaves you underinsured. Coastal areas bring additional challenges:
Higher accident risk from seasonal visitors and congested roads.
Storm-related damage like flooding, wind, or falling debris.
A customized auto policy ensures you’re protected whether it’s a minor fender bender on Highway 17 or a major loss after a hurricane.
OUR SERVICES
Coverages to Consider
A personal auto policy can be tailored to fit your lifestyle, driving habits, and budget. Common coverages include:
Liability Coverage
Protects you if you’re responsible for injury or property damage.
Collision Coverage
Repairs or replaces your vehicle after an accident, regardless of fault.
Comprehensive Coverage
Covers non-collision losses like flooding, theft, vandalism, or hurricane damage.
Uninsured/Underinsured Motorist Protection
Essential in North and South Carolina, where many drivers carry only the state minimum.
Medical Payments (MedPay)
Helps cover medical expenses for you and your passengers.
Roadside Assistance
Peace of mind if you’re stranded along the coast.
Little-Known Facts About Auto Insurance in SC
- Hurricane season can have an impact: Insurers may restrict new policies or changes just before a storm, so it’s best to review your coverage early.
- Golf carts & low-speed vehicles: Popular in coastal communities, these require their own liability coverage.
Why Choose Nicholas Insurance Solutions at the Beach?
Local knowledge
We understand the unique risks of coastal North and South Carolina.
Independent agency
We shop multiple carriers to find the right coverage and price for you.
Personal service
Insurance isn’t just about policies—it’s about people. We’re here to guide you every step of the way.
Drive Protected. Drive Confident.
Don’t leave your car-or your future-unprotected. Let us help you design a personal auto policy that fits your needs, whether you’re cruising the coast or commuting to work.
📍 Serving drivers across coastal North Carolina and South Carolina, including Myrtle Beach, North Myrtle Beach, Longs, Calabash, Sunset Beach and surrounding communities.
Call to get your free auto insurance quote today!
Contact Us
Call Us
843-305-7873
Mail Us
info@nicholasagent.com
Address
1019 Hwy 17 S, Ste 127, North Myrtle Beach, SC 29582