C. T. Lowndes & Company is South Carolina's oldest insurance agency, serving the Lowcountry of S.C. since 1850. At C. T. Lowndes & Company. 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.