South Carolina is among several states that mandate minimum car insurance coverage levels for drivers, known as liability coverage. This form of protection pays for any injuries you cause in an auto accident that you cause; many drivers also choose to upgrade to full coverage auto insurance for comprehensive and collision coverage against physical damage to the vehicle itself – it may even be required when leasing or financing expensive cars; compare premium rates before choosing your policy!
Car insurance costs vary significantly across South Carolina depending on a variety of factors, including age, driving record, credit score and coverage levels. Young drivers tend to have higher premiums due to being seen as high risks by insurers. Furthermore, traffic violations or accidents will increase rates significantly as insurers use this data to predict your likelihood of filing a claim in the future and set premiums accordingly.
Maintain a clean driving record, opt for a higher deductible and bundle your home and car policies with one company to reduce South Carolina car insurance rates. Furthermore, keeping your credit score high can help secure more competitive insurance rates; furthermore avoiding unnecessary purchases and paying off debt will reduce spending and therefore the amount paid in car insurance in South Carolina.
If you have been charged with DUI in South Carolina in the past, your car insurance rates will likely increase substantially. You may need to file an SR-22 form as well as face other driving and insurance-related penalties in your state. Despite these penalties, however, you can still find low-cost car insurance. Companies offering liability-only policies as well as full coverage policies at competitive rates include GEICO, Allstate and American National.
Though no single company offers the cheapest South Carolina car insurance policies, you may find some of the best offers by searching quotes manually or using an online tool such as MoneyGeek. Be sure to compare policy details and customer service reviews in order to select an insurer with confidence for Columbia driving.