Auto Insurance

auto insurance myrtle beach

Auto Insurance Agent in Myrtle Beach, SC - HB Springs Insurance Co.

Most don't think about Auto Insurance until there's an accident! Many companies try to make you think car insurance is just a commodity. You see commercials that offer "cookie cutter" insurance plans that just sell state minimum coverage or name the price you want to pay. You're not just buying a can of soda. You're buying financial security for you and your family. Don't put yourself and your family at risk. For example: It's a sunny day on the Grand Strand and you're in your auto enjoying the drive. You glance down to change the radio station and don't notice the light at the intersection changed to red. The next thing you remember is the crash.

You later find out the people in the car had serious injuries. The people you hit will likely suffer an economic loss and will endure pain and suffering because of the accident you caused. Because of the injuries and recovery time, they decide to sue. How much can they get? Everything you own! Don't let this happen to you. An experienced agent can help you find the right coverage at the right price.


There are 6 parts to an auto insurance policy. The level of coverage should be customized based on your particular needs.

Collision Coverage - Helps pay for damage to your vehicle caused by an accident with another car, a rollover, or a collision with something else, such as a tree.

Comprehensive Coverage - Pays for damage to your vehicle caused by falling objects, fire, theft, vandalism, hitting a deer and certain other non-collision losses

Property Damage Liability Protection - Typically provides coverage for damages to another's property.

Bodily Injury Liability Protection - Provides coverage for damages resulting from an accident where others are injured or killed.

Medical Payments - Provides protection for medical expenses incurred as a result of bodily injury sustained by you.

Uninsured/Underinsured Motorist Coverage - Protects you and your vehicle if the accident is caused by a driver who is uninsured or underinsured.


We offer plans that include New Vehicle Replacement, Accident Waivers, Good Driver Discounts, Account Credits and GAP coverage. In addition to the quality car insurance coverage you normally expect from nationally recognized insurance brands, we also offer exceptional service and even more discounts and features. You can enjoy great discounts that lead to more money in your pocket and select from a wide range of new, innovative auto and home insurance features:

  • Safe Driver Discount
  • Accident Forgiveness/Claim Waivers 
  • Deductible Rewards
  • Safe Driving Discounts
  • New Car Replacement
  • Gap Coverage

Exceptional Service:

  • 24-Hour Customer and Claim Service
  • Person-to-person Service - Talk to a LIVE LOCAL AGENT!
  • Serving Horry & Georgetown Counties since 1928
  • We LISTEN to your NEEDS
  • No Pressure – No Hassles
  • Annual Client File Review 
  • Same-day Client Coverage