Trying to buy cheap car insurance is difficult, and finding out which company offers the lowest-priced auto insurance rates in Simpsonville takes even more diligence.
Each company has their own guidelines to set premium rates, so we'll take a look at the auto insurance companies with the overall cheapest rates in Simpsonville, SC.
|Rank||Company||Cost Per Year|
|5||SC Farm Bureau Mutual||$1,286|
|6||Southern Farm Bureau||$1,298|
|7||National Grange Mutual||$1,361|
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The Hartford generally has some of the lowest car insurance rates in Simpsonville at around $775 each year. USAA, State Auto, Auto-Owners, and SC Farm Bureau Mutual are also some of the lowest-priced Simpsonville, SC car insurance companies.
In the above rates, if you are currently insured with USAA and switched to The Hartford, you could realize savings of about $210. Customers with State Auto may save as much as $352 a year, and Auto-Owners insureds might lower prices by up to $366 a year.
To see if you're overpaying, click here or visit any of the low-priced companies below.
These policy rates are averages across all insureds and vehicles and and are not figured with a specific location in Simpsonville. So the car insurance company that is most affordable for your situation may not even be in the top 18 companies in the list above. That illustrates why you need to get rate quotes using your own personalized driver profile and vehicle information.
For drivers in Simpsonville, one of the largest things that help determine the amount you pay for auto insurance is the neighborhood you call home. Areas with more people or more claims tend to have more expensive car insurance rates, whereas less populated areas have the benefit of cheaper car insurance.
The following table sorts the highest-priced places in South Carolina to purchase auto insurance in. Simpsonville shows up at #25 costing $1,008 on average, which is around $84 each month.
|Rank||City||Premium Per Year|
|13||Hilton Head Island||$1,139|
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Price information shown is approximated as the specific Simpsonville residence address can decrease or increase coverage rates noticeably.
You may be paying too much for car insurance
Simpsonville, SC auto insurance rates are based on many factors that control the price you have to pay for coverage. Improving your credit rating, filing a claim, or getting a ticket for running a stop sign may generate price changes resulting in some rates now being cheaper than before.
Additionally, car insurance companies file new South Carolina auto insurance rates as often as every three months to adjust for unexpected claims or profits. Larger than normal claims may result in increased policy costs, while better underwriting can result in more affordable Simpsonville car insurance rates.
For example, the data below shows the companies that have the cheapest car insurance in Simpsonville, SC for a 45-year-old male driver with no prior claims, no tickets, and excellent credit. Based on his personal profile, The Hartford might quote the most affordable car insurance rates in Simpsonville at $775 a year. This is $834 less than the average policy premium paid by South Carolina drivers of $1,609. USAA, State Auto, Auto-Owners, and Southern Farm Bureau also make the list of the best Simpsonville, SC auto insurance companies.
The example below compares rates after we give the driver from the first example a chargeable claim, a lower credit score, and a speeding ticket. Since every car insurance company has their own formula to establish rates, analyzing rate quotes may result in a different ranking of the cheapest companies as shown below.
Travelers now has the cheapest auto insurance in Simpsonville, SC with USAA, National Grange Mutual, State Farm, and The Hartford now being in the top five. This example demonstrates why consumers need to perform an extensive rate comparison when trying to get the most economical insurance quotes in Simpsonville. Auto insurance prices are calculated by many things and can change substantially, so the best option the last time you compared rates may now be quite expensive.
The type of vehicle on the policy is a large consideration when shopping around for the lowest-priced auto insurance in Simpsonville. Vehicles with lots of speed or power, poor safety ratings, or a history of substantial liability claims will cost significantly more to insure than safer models.
The table below estimates car insurance prices for a selection of the cheaper automobiles to buy coverage for.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Ford Escape XLS 4WD||$890|
|Chevrolet Impala LS||$902|
|Toyota RAV4 2WD||$920|
|Jeep Grand Cherokee Laredo 4WD||$925|
|Chevrolet Malibu LT||$936|
|Honda Accord LX 4-Dr Sedan||$950|
|Hyundai Elantra GLS Touring Station Wagon||$960|
|Toyota Corolla S||$968|
|Honda CR-V EX-L 4WD||$974|
|Nissan Altima 3.5 SR 4-Dr Sedan||$984|
|Honda Odyssey Touring||$984|
|Hyundai Sonata GLS 4-Dr Sedan||$986|
|GMC Sierra 3500HD SLE Crew Cab 2WD||$1,002|
|Ford Focus SE 4-Dr Sedan||$1,034|
|Ford Fusion Sport AWD 4-Dr Sedan||$1,050|
|Toyota Camry Hybrid||$1,060|
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Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Carolina minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Information does not factor in specific zip code location which can affect coverage prices noticeably.
Looking at the data, you can assume that vehicles like the Ford Escape, Chevrolet Impala, Toyota RAV4, Jeep Grand Cherokee, and Chevrolet Malibu should be the cheaper vehicles to insure for drivers in Simpsonville.
The illustration below shows how different deductible levels can change annual premium costs when quoting cheap insurance in Simpsonville. The data assumes a married female driver, full physical damage coverage, and no other discounts are factored in.
The data above shows that a 30-year-old driver could reduce rates by $322 a year by increasing from a $100 deductible to a $500 deductible, or save $488 by switching to a $1,000 deductible. Even younger drivers, like the age 20 example, could drop their prices as much as $692 or even more by choosing a higher deductible.
When raising deductibles, it is necessary to have enough spare savings to satisfy the extra out-of-pocket expense that comes with higher deductibles.
How accidents and tickets impact rates
The recommended way to earn the most affordable car insurance premiums in Simpsonville for drivers in Simpsonville is to drive carefully and avoid traffic citations and accidents. The information below demonstrates how traffic citations and accidents increase premium costs for different age groups. The rates are based on a married female driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.
The data above shows the average cost of an auto insurance policy in South Carolina per year with a clean driving record and no accidents is $1,459. Get written up for two speeding tickets and the average cost hikes up to $2,066, an increase of $607 each year. Then include one accident along with the two speeding tickets and the annual cost of car insurance in Simpsonville goes up to an average of $2,692. That's an increase of $1,233, or $103 per month, just for not keeping your driving record clean!