Are you researching more competitive car insurance rates in Summerville, SC? Finding lower priced quotes on the web may seem to be rather challenging for drivers new to quoting and comparing and buying car insurance on the internet. With a ridiculous number of online companies available, how are we expected to possibly compare every possible option in order to find the best pricing?
A recent car insurance study revealed that the majority of drivers have bought car insurance from the same company for more than four years, and virtually 40% of consumers have never compared rate quotes at all. Many drivers in Summerville can save hundreds of dollars each year, but they just assume it takes a lot of time to compare other rate quotes.
Consumers need to check car insurance prices quite often because car insurance prices tend to go up over time. If you had the lowest price on car insurance a couple years back the chances are good that you can find a lower rate quote today. Forget anything you know (or think you know) about car insurance because you're going to get a crash course in one of the easiest ways to lower your annual insurance bill.
If you are already insured, you should be able to find better prices using the ideas you're about to read. Comparison shopping for affordable coverage in Summerville is actually quite simple. But South Carolina vehicle owners must comprehend the way companies calculate your insurance rates and use this information to your advantage.
Many insurance companies allow consumers to get pricing directly from their websites. Comparing auto insurance rates online doesn't take a lot of time as you simply enter the coverage amounts you desire into a form. After the form is submitted, their system pulls credit information and your driving record and generates pricing information based on the information you submitted.
The ability to get online price quotes makes comparing rates easy, and it is imperative to have as many quotes as possible in order to get the cheapest possible prices on auto insurance.
In order to find out what other companies charge, check out the auto insurance providers below. If you have your current policy handy, we recommend you input the insurance coverages identical to your current policy. This makes sure you will get a price comparison based on identical coverages.
The companies shown below are our best choices to provide comparison quotes in South Carolina. If multiple companies are listed, we suggest you get prices from several of them to find the most competitive car insurance rates.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Impala LTZ||$950||$475||$79|
|Chevrolet Malibu LS||$1,024||$512||$85|
|Chevrolet Silverado LT Regular Cab 2WD||$1,254||$627||$105|
|Dodge Ram Crew Cab Laramie 4WD||$1,482||$741||$124|
|Ford Edge SE 2WD||$1,206||$603||$101|
|Ford Escape XLT 4WD||$786||$393||$66|
|Ford F-150 XLT Crew Cab 4WD||$1,028||$514||$86|
|Ford Focus SES 4-Dr Sedan||$1,242||$621||$104|
|Ford Fusion S 4-Dr Sedan||$1,212||$606||$101|
|Honda Accord EX 2-Dr Coupe||$1,012||$506||$84|
|Honda CR-V EX-L 4WD||$996||$498||$83|
|Honda Civic LX 4-Dr Sedan||$1,242||$621||$104|
|Honda Odyssey EX-L||$1,562||$781||$130|
|Kia Optima LX||$1,154||$577||$96|
|Nissan Altima 2.5 4-Dr Sedan||$1,126||$563||$94|
|Toyota Camry XLE||$1,274||$637||$106|
|Toyota Corolla LE||$1,004||$502||$84|
|Get Your Own Custom Quote Go|
Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Estimates do not factor in specific location which can revise premiums greatly.
When buying auto insurance, a common question is which comprehensive and collision deductibles to buy. The data tables below can help you understand the rate differences when you choose different deductibles. The first rate comparisons uses a $250 deductible for comp and collision and the second price chart uses a $1,000 deductible.
Honda Pilot rates are for example purposes only. To get rates for your specific vehicle, click here.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Pilot LX 2WD||$264||$366||$342||$20||$102||$1,119||$93|
|Pilot EX 2WD||$298||$366||$342||$20||$102||$1,153||$96|
|Pilot EX 4WD||$298||$366||$342||$20||$102||$1,153||$96|
|Pilot EX-L 2WD||$298||$444||$342||$20||$102||$1,231||$103|
|Pilot EX-L 4WD||$298||$444||$342||$20||$102||$1,231||$103|
|Pilot Touring 2WD||$298||$444||$342||$20||$102||$1,231||$103|
|Pilot Touring 4WD||$298||$444||$342||$20||$102||$1,231||$103|
|Get a Quote for Your Vehicle Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Pilot LX 2WD||$162||$230||$342||$20||$102||$856||$71|
|Pilot EX 2WD||$184||$230||$342||$20||$102||$878||$73|
|Pilot EX 4WD||$184||$230||$342||$20||$102||$878||$73|
|Pilot EX-L 2WD||$184||$280||$342||$20||$102||$928||$77|
|Pilot EX-L 4WD||$184||$280||$342||$20||$102||$928||$77|
|Pilot Touring 2WD||$184||$280||$342||$20||$102||$928||$77|
|Pilot Touring 4WD||$184||$280||$342||$20||$102||$928||$77|
|Get a Quote for Your Vehicle Go|
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and South Carolina minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Rate quotes do not factor in specific location which can modify coverage rates greatly.
We can estimate from the data above that using a $250 deductible will cost in the ballpark of $25 more each month or $300 every year than buying the higher $1,000 deductible. Since you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at a minimum 30 months between claim filings, you would probably be better off if you decide on a higher deductible.
Why you need insurance for your vehicle
Despite the fact that auto insurance is not cheap in Summerville, auto insurance may not be optional for several reasons.
First, the majority of states have minimum mandated liability insurance limits which means you are required to buy a minimum amount of liability protection in order to license the vehicle. In South Carolina these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you took out a loan on your vehicle, almost all lenders will make it mandatory that you have insurance to guarantee their interest in the vehicle. If coverage lapses or is canceled, the bank or lender will purchase a policy for your vehicle at a much higher rate and force you to pay for the expensive policy.
Third, insurance protects both your assets and your car. It will also reimburse you for medical expenses incurred in an accident. Liability insurance will also pay for a defense attorney if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, your auto insurance policy will cover the repair costs.
The benefits of having insurance definitely exceed the cost, particularly if you ever have a claim. As of last year, the average driver in South Carolina is overpaying over $820 a year so you should quote your policy with other companies at every policy renewal to be sure current rates are still competitive.
Car insurance policy discounts you can't miss
Insurance can be prohibitively expensive, but there could be significant discounts that many consumers don't even know exist. A few discounts will be applied when you get a quote, but some may not be applied and must be specially asked for prior to receiving the credit.
- Seat Belts Save more than Lives - Drivers who require all vehicle occupants to fasten their seat belts can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
- Driver Safety - Taking a defensive driving class could earn you a small percentage discount and make you a better driver.
- Discount for Multiple Policies - If you have multiple policies and insure them both with the same insurance company you could save as much as 10 to 15 percent.
- Summerville Homeowners Pay Less - Simply owning a home may trigger a policy discount on car insurance due to the fact that maintaining a home demonstrates responsibility.
- ABS and Traction Control Discounts - Cars, trucks, and SUVs equipped with ABS or steering control can stop better under adverse conditions and therefore earn up to a 10% discount.
A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like comp or med pay. So even though you would think all those discounts means the company will pay you, companies don't profit that way.
A few of the larger companies and their offered discounts are detailed below.
- American Family discounts include Steer into Savings, air bags, accident-free, good student, and multi-vehicle.
- Nationwide has discounts for multi-policy, anti-theft, defensive driving, good student, Farm Bureau membership, business or organization, and accident-free.
- MetLife offers discounts including defensive driver, multi-policy, good driver, claim-free, accident-free, and good student.
- 21st Century offers premium reductions for driver training, theft prevention, good student, air bags, early bird, and anti-lock brakes.
- Farmers Insurance policyholders can earn discounts including pay in full, bundle discounts, early shopping, homeowner, switch companies, and business and professional.
- Allstate includes discounts for EZ pay plan discount, passive restraint, FullPay discount, farm vehicle, defensive driver, and resident student.
Check with every company to give you their best rates. Some of the discounts discussed earlier may not be offered everywhere. For a list of car insurance companies that provide some of the discounts listed above in South Carolina, click this link.
Compare rate quotes but buy from a neighborhood Summerville auto insurance agent
Many people still like to buy from a local agent and that is a smart decision One of the benefits of comparing rates online is the fact that you can find lower rates but also keep your business local.
To make it easy to find an agent, after completing this form (opens in new window), the coverage information is emailed to companies in Summerville who will give competitive quotes to get your business. You don't have to leave your computer since rate quotes are delivered straight to your inbox. You can get cheaper car insurance rates and a licensed agent to work with. If you wish to get a comparison quote for a specific company, you can always find their quoting web page and fill out the quote form the provide.
Choosing the best provider should depend on more than just the quoted price. These are some questions your agent should answer.
- What companies can they write with?
- How long has the business existed?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- If independent agents, which companies do they recommend?
- Does the agency have a current Errors and Omissions policy?
- Can glass repairs be made at your home?
- Are they actively involved in the community?
- Is the agent and/or agency licensed to do business in South Carolina?
If you are searching for a reputable insurance agent or broker, there are two types of insurance agents that you can select. Car insurance agents in Summerville are categorized either independent agents or exclusive agents.
Exclusive Insurance Agencies
These agents can only quote rates from one company such as Allstate, Farmers Insurance, State Farm, and AAA. These agents are not able to compare other company's rates so always compare other rates. Exclusive agencies are very knowledgeable in insurance sales and that can be a competitive advantage. Many people buy from the same agent for years mostly because of the prominence of the brand and the convenience of having a single billing for all their coverages.
Independent insurance agents are not locked into one company so as a result can place your coverage through many different car insurance companies and help determine which has the cheapest rates. To transfer your coverage to a different company, the business is moved internally and that require little work on your part. When comparison shopping, you should always get several quotes from multiple independent agents for the best price selection. Most independent agents also contract with smaller companies that may provide cheaper car insurance rates.
Once you have satisfactory answers to all your questions as well as the cheapest Summerville car insurance quotes, you may have found an insurance agent that can be trusted to adequately provide car insurance. Just be aware that you can cancel coverage for any reason so never assume that you're stuck with any specific agency with no way to switch.
You can lower your auto insurance rates
Consumers switch companies for many reasons like delays in paying claims, extreme rates for teen drivers, unfair underwriting practices and even not issuing a premium refund. It doesn't matter what your reason, choosing a new company is pretty simple and you could end up saving a buck or two.
As you shop your coverage around, you should never buy lower coverage limits just to save a few bucks. In many cases, an accident victim reduced full coverage only to regret that their decision to reduce coverage ended up costing them more. The ultimate goal is to find the BEST coverage at the best cost while still protecting your assets.
We just showed you many ways to reduce auto insurance car insurance rates online in Summerville. It's most important to understand that the more providers you compare, the higher the chance of saving money. Consumers could even find that the lowest car insurance rates come from some of the lesser-known companies.
Even more information is located at these sites:
- Safe Vehicles for Teens (iihs.org)
- Who Has the Cheapest Auto Insurance Quotes in South Carolina? (FAQ)
- Who Has Cheap South Carolina Auto Insurance Rates for College Graduates? (FAQ)
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)