Welcome...

C. T. Lowndes & Company is South Carolina's oldest insurance agency, serving the Lowcountry of S.C. since 1850.  At C. T. Lowndes & Company, you can purchase insurance policies from one of the many fine insurance companies the agency represents. C. T. Lowndes & Company is an independent insurance agency, a Trusted Choice insurance agency, a family owned business with a wonderful reputation in the Greater Charleston, South Carolina region, to include Charleston, Colleton, Berkeley, and Dorchester counties.

Our agents provide free quotes at affordable prices for automobile, truck, and motorcycle insurance; home, dwelling, condo, mobile home, and renters insurance; boat, jet ski, ATV, golf cart, RV, and other powersports and recreational vehicle insurance; wedding insurance, business insurance, general liability insurance, package insurance, workers compensation insurance for small and large businesses; individual and group health insurance; long term care insurance, dental, and disability insurance; and life insurance including term, whole life, and mortgage.

 

Higher Liability Limits on your Automobile Policy are Affordable and Important...

The state of South Carolina mandates that every vehicle be insured with liability insurance and that the liability limit must be at least $25,000 per person and $50,000 per accident for bodily injury and $25,000 for property damage, commonly shown as 25/50/25. What do these limits really mean to you?  Suppose you are involved in an accident that...

Click here to read more info about what kind of liability coverages you should have to be protected.

Progressive Snapshot - Driving smarter for better rates...

Progressive has developed a usage-based insurance program that can turn your good driving habits into big savings on your car insurance premium.  

The program consists of simply plugging a small device into your car (there is a connection device under your dashboard in the vicinity of your steering wheel). It fits almost all cars built in and after 1996.  This program is best suited for...

Click here to read more info about how Progressive's Snapshot could save you hundreds on auto insurance premiums....

Important Insurance Information about Earthquakes... 

With the number of strong earthquakes like the 5.6 magnitude in Oklahoma and the 5.8 magnitude earthquake on the east coast of the United States, this should make you wonder about your insurance policies and whether you have insurance coverage for an earthquake if one were to strike here.

The Lowcountry does lie on a fault line and the September 1886 earthquake that hit the Charleston area caused extensive damage. It was the most damaging earthquake to occur in the Southeast United States and one of the largest historic shocks in Eastern North America being a 7.3 magnitude quake.

Click here for an in depth discussion about earthquake insurance and why you should discuss this with your insurance agent.