You've seen the catchy commercials from companies like Liberty Mutual, State Farm, and Farmers that promise the cheapest price, so drivers should just choose the one with the flashiest ad, right?
Unfortunately, it's just not that easy, as there are a whole bunch of unknown elements like if you have a lapse in coverage, your financial responsibility, and if you want the added protection of full coverage, that all have an effect on the price. The content below covers the best ways to save money and will give you some help in finding cheaper rates.
One of the more important things that help determine the cost of insurance is the neighborhood you call home in South Carolina. Areas with more people or more claims like North Charleston, Summerville, and Goose Creek are more likely to have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower coverage costs.
The next table ranks the most expensive cities in South Carolina for police officers to buy auto insurance in.
|12||Hilton Head Island||$1,162|
|Find Cheaper Insurance Go|
Annual rates are estimated as specific location information can affect rates greatly.
The vehicle model driven is one of the biggest factors in finding economical coverage for police officers. Vehicles with economical engines, advanced safety features, or low incidents of liability claims will cost substantially less to insure than higher performance models. The list below illustrates coverage rates for some of the cheapest vehicles to buy coverage for.
|Make and Model||Estimated Cost for Full Coverage|
|Hyundai Elantra GLS Touring Station Wagon||$821|
|Ford Escape Limited 2WD||$839|
|Honda CR-V LX 2WD||$898|
|Ford Edge SE 2WD||$901|
|Chevrolet Silverado LS Regular Cab 2WD||$970|
|Toyota RAV4 2WD||$972|
|Dodge Ram 3500 Crew Cab Laramie 2WD||$990|
|Ford Explorer Limited 4WD||$998|
|Toyota Tacoma 4WD||$1,005|
|Ford F-150 XLT Crew Cab 2WD||$1,015|
|Nissan Altima 3.5 SR 4-Dr Sedan||$1,043|
|Toyota Corolla XRS||$1,048|
|Find Cheaper Rates Go|
Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Carolina minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Information does not factor in vehicle location which can lower or raise price quotes considerably.
Based upon these rates, vehicles like the Hyundai Elantra, Ford Escape, Honda CR-V, and Ford Edge are a few of the most economical vehicles to insure for law enforcement personnel.
Selecting a highly-rated insurer can be challenging considering how many different companies insure vehicles in South Carolina. The company information shown next may help you analyze which companies you want to consider comparing rate quotes with. These ratings are for the companies with a significant amount of written premium nationwide, so smaller regional companies will not be included in these rankings.
Top 10 Large Auto Insurance Providers in South Carolina Ranked by Customer Satisfaction
- USAA - 91%
- AAA Insurance - 90%
- Esurance - 90%
- Nationwide - 89%
- Travelers - 88%
- Progressive - 88%
- Safeco Insurance - 88%
- State Farm - 88%
- Allstate - 88%
- The Hartford - 87%
Top 10 Large Auto Insurance Providers in South Carolina Ranked by Value
- American Family
- AAA Insurance
- Safeco Insurance
- The Hartford
- The General
- 21st Century
- Titan Insurance
The chart below illustrates how choosing a deductible can impact premium costs when researching cheap insurance for police officers in South Carolina. The rate quotes are based on a married male driver, full coverage, and no discounts are applied to the premium.
The data above shows that a 40-year-old driver could cut expenses by $284 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $428 by switching to a $1,000 deductible. Younger drivers, like the Age 20 chart data, could lower their rates as much as $948 every year just by choosing higher deductibles when buying full coverage. When choosing a higher deductible, it will be necessary to have enough spare savings to offset the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
Here's why price comparisons are so important
South Carolina insurance rates are determined by lots of factors that will increase or decrease the cost of a policy. Simply improving your credit, buying higher coverage limits, or having an accident can produce rate changes resulting in some companies being much cheaper than others. Not only that, but auto insurance companies modify rates as often as every three months to ensure their profitability. Heavier than normal losses can result in a rate increase, while lower claims may result in lower-priced South Carolina car insurance rates.
For instance, the graph below shows the company with the cheapest car insurance in South Carolina for a 35-year-old female driver with a good driving record, no prior claims, and excellent credit. Based on her personal profile, The Hartford offers the cheapest car insurance rates in South Carolina at $745 annually. This is $864 less than the average rate paid by South Carolina drivers of $1,609. USAA, Auto-Owners, State Auto, and SC Farm Bureau Mutual are also on the list of the cheapest South Carolina auto insurance companies.
Now we will give the driver from the first set of rates a claim, slightly worse credit, and a speeding ticket. Since every insurance provider has their own formula to set policy rates, comparing insurance quotes could result in a different set of affordable South Carolina car insurance companies as shown below.
National Grange Mutual now has the lowest price on auto insurance in South Carolina with Travelers, State Farm, USAA, and The Hartford also being competitive. This demonstrates why it is so important to compare rates when trying to get cheap car insurance rates for police officers.
Insurance rates can be altered by many factors and can change substantially, so the most economical company when you last compared rates may now be one of the more expensive options.
Tips for buying cheaper auto insurance for police officers in South Carolina
The list below details some of the recommended thrifty ideas that can help South Carolina drivers locate cheap coverage.
- Avoid filing small claims
- Bundle home or renters insurance to earn a discount on car insurance
- Avoid speeding and other traffic citations and pay less
- Accident-free drivers may qualify for discounts
- The safer your car, the less it costs to insure
- Comparison shop frequently
The last tip in the list is certainly important, as was emphasized in this piece. Prices can be modified anytime, so you should be ready to buy a different policy if a lower-cost policy is available.
We understand brand loyalty, but it isn't a good idea if it's costing you a considerable chunk of change every month. Now is a great time to compare prices to find cheaper car insurance for police officers.