Auto Insurance

Built-In Loyalty Discounts for AAA Members

AAA Insurance works hard to provide customers with appropriate coverage for an affordable price. In fact, if you are already a member of AAA, you save money on your insurance premiums the first day you become a customer! As many of our AAA members have been loyal to us for years, we want to give that same loyalty back. AAA provides built-in member loyalty discounts!

Other Discounts

Homeownership – must own a home (home does not need to be insured with AAA Insurance ). Documentation required.
AAA Insurance Auto and Home – must own a home that is insured with AAA Insurance.

Concierge-Level Claims Service

What really distinguishes one auto policy from another is the company that stands behind it. AAA Insurance claims service has earned a reputation for being both reliable and convenient.

Ability to report a claim 24 hours a day, 7 days a week, 365 days a year.
Response from a claims adjustor on the same business day your claim is reported
Payment of all comprehensive and collision claims within 3 days.
Proactive updates regarding your claim to keep you in the loop.
Guaranteed repairs for the life of the vehicle you own when you use one of ou​r Preferred Body Shops.
Our AAA Auto Buying service can find another vehicle for you in the case of a total loss.

Local Representation and Service

Choosing AAA Insurance means you choose a company that is in your neck of the woods. Rickard Insurance Agency is conveniently located in Baxter Town Center, Fort Mill, SC. AAA is headquartered in Charlotte, NC. Claims adjusters, service agents, and executive management are located right here in North Carolina and can quickly meet your needs at any point of the insurance process.

Liability Coverage

Liability Coverage pays damages due to bodily injury and property damages to others for which you are responsible. If you’re sued, it also pays your defense and court costs. Medical expenses, pain and suffering, and lost wages are some examples of what Liability Bodily Injury may cover. Liability Property Damage covers damage to property and loss of its use. Every state sets a minimum coverage level. Selecting more than the minimum coverage would increase your cost now but potentially give you more protection in case of an accident.

Since it’s impossible to know the most you’d have to pay if you were to cause an accident that resulted in bodily injury or property damage, be sure to take some time and consider whether you’d be able to afford any damages that exceed your insurance coverage. The higher your limits, the more likely it is that we’ll be able to pay all of the damages for you. Limits higher than the state minimum might be the best choice for you.

Medical Payments Coverage

Medical Payments coverage applies no matter who is at fault and covers the cost of reasonable and necessary medical care provided to you as a result of a car accident.

The coverage is not required by most states, but it provides great coverage at an affordable price. The cost will correspond to the limits you select. There are no deductibles or copays, so this coverage can pay from the first dollar of incurred, covered expenses.

Collision Coverage

Collision Coverage will pay for damage to a covered vehicle caused by the following, subject to a deductible:

Collision with another vehicle
Collision with an object
A vehicle rollover

Higher deductibles lower your premium but increase the amount you’ll have to pay out of your own pocket at the time of a loss. Ask yourself how much you’re willing to pay when a loss occurs to save money on premiums.

Comprehensive Coverage

This coverage helps pay for loss of or damage to an insured vehicle, not caused by a collision or vehicle rollover. Typically, that’s coverage for the following, and is subject to a deductible.

Fire
Wind
Hail
Flood
Vandalism
Theft
Hitting an animal

Higher deductibles lower your premium but increase the amount you’ll have to pay out of your own pocket in case of a loss. Ask yourself how much you’re willing to pay when a loss occurs to save money on premiums.

Uninsured/Underinsured Motorist Coverage

Uninsured/Underinsured Motorist coverage pays for damages that you are legally entitled to recover for your bodily injury. Medical expenses, pain and suffering, and lost wages are some examples of bodily injury damages.

In general, this coverage provides what you would have received from the other person’s insurance company if that person had insurance. This coverage may also protect you if the person who caused the damage does not have enough insurance.

Extended Transportation Expense

Commonly referred to as Rental Reimbursement. Your car is in the shop after a covered loss. Rental Reimbursement pays the cost of renting a replacement vehicle so you don’t have to interrupt your daily routine. Daily allowances or limits vary.

Specialty Vehicle Insurance

The Carolinas have some of the best scenery and outdoor space in the entire United States.  In order to enjoy the great outdoors, you probably have some off-road vehicles. At Rickard Insurance Agency, we understand the importance of having your ATV’s and other off-road vehicles insured.

We’re here to help make sure that you and your off-road vehicles in the Carolinas are covered so that you can enjoy the trails, the lakes, and the open roads that much more. We provide a wide range of off-road vehicle insurance. Contact us today and let us help you save money on your off-road insurance for your:

• ATV (All-terrain vehicle)
• RV’s
• Boats
• Golf cart insurance
• Travel Trailers
• Motorcycles
• Any other motorsports insurance

Commercial Auto Insurance

When selecting auto insurance for your business, many factors must be considered, from the amount of coverage necessary to state laws requiring coverage. To prevent losing your hard-earned revenue due to an automobile accident, you will want to ensure that your vehicles, drivers, and/or products are insured in the event of property or vehicle damage, bodily injury, legal costs, and more. Rickard Insurance Agency is here to help you every step of the way.

Are you looking for commercial auto insurance near you? At our local insurance office in Baxter Town Center, Fort Mill, we will work with you to create a customized policy that may include collision coverage, bodily injury liability, comprehensive coverage, etc. Since commercial auto insurance coverage varies, it is essential to discuss your business’s options with an informed agent who can help you determine the proper amount of coverage for your business needs.

Rickard Insurance Agency is a local AAA Insurance office in Fort Mill, SC, and is licensed in North Carolina and South Carolina. AAA Insurance agents are more than just consultants, they are trusted advisors. Eric Rickard, the owner of Rickard Insurance Agency, has been an AAA agent for eleven years and recently celebrated six years as an agency owner.

Convenient Fort Mill Location

Baxter Town Center in Fort Mill, South Carolina
Close to Everything. Less than 20 miles south of Uptown Charlotte

FROM CHARLOTTE
TAKE INTERSTATE 77 SOUTH TO EXIT 85. TURN RIGHT ON HIGHWAY 160.
BAXTER IS ON THE LEFT.

FROM ROCK HILL
TAKE I-77 NORTH TO EXIT 85. TURN LEFT ON HIGHWAY 160.
CROSS OVER I-77. BAXTER IS ON THE LEFT

Rickard Insurance Agency provides insurance solutions. We offer:

Auto Insurance, Homeowners Insurance, Condo Insurance, Life Insurance, Renters Insurance, Small Business Insurance, Boat Insurance, Golf Cart Insurance, Motorhome Insurance, Mobile Home Insurance, Trailer Insurance, Motorcycle Insurance, Rental Property Insurance, and AAA Memberships.

Insurance is a means of protection from financial loss today and in the future. From customized insurance options to superior claims service, at Rickard Insurance Agency we advise our clients every step of the way.