South Carolina car insurance may seem costly, but you don’t have to spend top dollar just to secure coverage. Your premiums depend on several factors including ZIP code, age, driving record and vehicle make and model; by taking a few simple steps you could reduce the overall costs of car insurance in South Carolina.
Your ZIP code is often the first consideration insurers take when setting rates, as living in dense urban environments typically leads to more traffic and accidents leading to greater claims costs. Your driving record also plays a part; an accident or violation on it could increase rates by 18 percent on average and even just one speeding ticket can double them; but maintaining a clean driving history and earning good credit scores could lower them even further.
No matter if you need the minimum state law coverage or full coverage, policy type and limits have an effect on how much car insurance costs in South Carolina. While full coverage typically costs more than liability-only policies, they provide more protection in case of collision or other event. Your make and model of car can also have an effect; certain models are more susceptible to being stolen or damaged than others – an annual review can ensure you have optimal protection at an economical rate.
Additionally, you can reduce costs on South Carolina car insurance by comparing quotes and selecting the cheapest option. Although it is wise to consider other aspects when making this choice, paying particular attention to customer service reputation and satisfaction ratings of each insurer is also worthwhile.
MoneyGeek’s car insurance calculator can provide an approximate idea of the costs involved with purchasing car insurance in South Carolina; however, many other variables could impact this figure and your specific rates may vary based on what applies.
As the cost of car insurance in South Carolina continues to increase, so do premiums for drivers. While the increase may not directly reflect individual driver profiles or characteristics, but rather reflect shared costs across all insured drivers. As a result, we’ve compiled a list of South Carolina insurers with affordable premiums for every driver profile – teens/young drivers through senior citizens; regional companies like Erie Farm Bureau Alfa as well as national insurers like State Farm Geico offer some of these cheap insurance policies; using our calculator you can identify those with the lowest premium rates across South Carolina companies!