Wouldn't life be so easy if we could just tell you the company that has the lowest rates for immigrants? It's just not that easy, however, as there are a whole slew of unknown factors such as the performance level of your vehicle, where you live, your credit rating, and if you have a coverage lapse, that all impact the price you pay. Car insurance is kind of a dry topic, but this article will explain the best ways to find cheap car insurance and hopefully give you enough understanding to have a solid foundation to find cheaper car insurance for migrants.
Establishing which insurers offer the best auto insurance rates for immigrants in South Carolina may require a tad more effort thank just comparing rates from one or two companies. Every insurance provider has a unique formula to establish rates, so we will examine the auto insurance companies with the overall best prices in South Carolina.
It's a good idea to know that South Carolina auto insurance rates are impacted by many things that can increase the price you pay for coverage. Turning one year older, marrying your spouse, or having an at-fault accident can trigger price changes resulting in some rates now being cheaper than competitors.
Find Cheaper Auto Insurance for Migrants
|Rank||Company||Cost Per Year|
|5||SC Farm Bureau Mutual||$1,260|
|6||Southern Farm Bureau||$1,298|
|7||National Grange Mutual||$1,335|
|Find Your Rate Go|
The Hartford generally has some of the most affordable car insurance rates in South Carolina at around $752 each year. This is $857 less than the average policy premium paid by South Carolina drivers of $1,609. USAA, Auto-Owners, State Auto, and SC Farm Bureau Mutual also qualify as some of the cheaper South Carolina insurance companies.
As shown in the table above, if you are insured with State Auto and switched to USAA, you could earn annual savings of about $143. South Carolina drivers with SC Farm Bureau Mutual might save as much as $265 a year, and Southern Farm Bureau policyholders might reduce prices by as much as $303 a year.
To discover how much you can save, click here to start your free quote or visit several of the following companies.
Be aware that those prices are averaged for all drivers and vehicles in South Carolina and and are not figured with a price discount for immigrants. So the insurer that is best for you may not even be in the top 18 companies shown above. That is why you need to compare rates from multiple companies using your own driver information and specific vehicle type.
For foreigners, one of the more important things that are looked at to determine the annual cost of car insurance is where you normally keep your vehicle. Regions with larger populations or more claims like Florence, North Charleston, and Summerville will most likely pay more, whereas areas with less people or fewer weather incidents can boast about having cheaper rates.
The next table lists the most costly cities in South Carolina for immigrants to buy car insurance in.
|Rank||City||Average Per Year|
|12||Hilton Head Island||$1,139|
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Price information shown is approximated as specific South Carolina zip code can affect rates substantially.
Rate increases following a ticket or accident
The common sense way to maintain good auto insurance premiums in South Carolina for foreigners is to be a careful driver and not get tickets or have accidents. The information below demonstrates how speeding tickets and at-fault fender-benders can impact premium costs for each different age group. The price estimates are based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no other discounts are factored in.
In the previous example, the average cost of an auto insurance policy in South Carolina per year with no violations or accidents is $1,533. Get written up for two speeding tickets and the average cost jumps to $2,048, an increase of $515 each year. Now get one accident along with the two speeding tickets and the yearly cost of auto insurance for immigrants in South Carolina increases to an average of $2,566. That's an increase of $1,033, or $86 per month, just for not maintaining a clean driving record!
Buying coverage from the right auto insurance provider can be rather challenging considering how many different companies insure vehicles in South Carolina. The company rank data displayed below could help you choose which companies to look at comparing rates from. The rankings below include insurance companies that insure vehicles in the majority of U.S. states, so companies that only write business in South Carolina or surrounding areas will not be included in these rankings.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|Compare Rates Now Go|
Data Source: Insure.com Best Car Insurance Companies
The information below highlights how deductible choice can influence insurance costs when searching for cheap insurance for immigrants in South Carolina. The price estimates are based on a single female driver, comp and collision included, and no other discounts are factored in.
In the chart above, a 30-year-old driver could lower their car insurance rates by $420 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $628 by changing to a $1,000 deductible. Young drivers, like the Age 20 chart data, can save $940 or more just by choosing larger deductibles. When raising deductibles, it will be necessary to have additional funds squirreled away to be able to cover the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.