Finding dependable, budget car insurance is confusing at best, and figuring out which company quotes the lowest-priced auto insurance rates in North Augusta may require a little more work. Every auto insurer has a proprietary method to set their prices, so let's rank the most affordable auto insurance companies in North Augusta, SC.
It's important to know that North Augusta, SC auto insurance rates are calculated based on many things which can significantly increase or decrease the price of your policy. Simply having a birthday, buying higher coverage limits, or getting a reckless driving citation may generate price changes that can cause some rates to be more affordable than competitors.
The Hartford quotes some of the best car insurance rates in North Augusta at around $752 a year. This is $857 less than the average premium paid by South Carolina drivers of $1,609. USAA, Auto-Owners, State Auto, and Southern Farm Bureau also rank well as some of the cheapest North Augusta, SC auto insurance companies.
As depicted above, if you are insured with State Auto and switched to USAA, you could see savings of in the neighborhood of $113. Drivers with Southern Farm Bureau might save as much as $223 a year, and SC Farm Bureau Mutual insureds might reduce prices by as much as $261 a year.
To discover how much you can save, click here to start your free quote or visit any of the companies below.
These policy rates are averages for all drivers and vehicles and and are not figured with an exact location in North Augusta. 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's why you need to compare as many prices as possible using your own individual information.
For drivers in North Augusta, one of the largest considerations that help determine the cost of insurance is where you normally keep your vehicle in North Augusta. Areas with high crime rates or more dense population will most likely have higher rates, whereas areas with less crime or weather claims have the gratification of cheaper auto insurance rates.
The following table rates the highest-priced places in South Carolina to buy an auto insurance policy in. North Augusta is ranked at #14 with an annual premium of $1,139 for car insurance, which is around $95 monthly.
|11||Hilton Head Island||$1,162|
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Rates are comparative as the specific area where the vehicle is garaged can lower or raise price quotes greatly.
The car, truck, or SUV that is being insured is one of the largest factors that determines whether or not you can buy the best insurance in North Augusta. Vehicles with high performance features, a lack of modern safety features, or high incidents of liability claims will cost substantially more to insure than safer models.
The list below estimates coverage prices for some of the most cost-effective automobiles to buy coverage for.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Ford Explorer XLT 2WD||$1,006|
|Ford Escape XLT 2WD||$1,027|
|Honda CR-V EX-L 2WD||$1,049|
|Jeep Grand Cherokee Laredo 2WD||$1,062|
|Toyota Tacoma Double Cab TRD Off-Road Package 4WD||$1,081|
|Dodge Ram Quad Cab ST 2WD||$1,083|
|Honda Odyssey EX-L||$1,118|
|Ford Fusion SE 4-Dr Sedan||$1,137|
|Jeep Wrangler Rubicon 4WD 2-Dr||$1,152|
|Toyota Camry LE||$1,214|
|Toyota Camry Hybrid||$1,221|
|GMC Sierra 2500HD SLE Regular Cab 2WD||$1,214|
|Kia Optima SX||$1,219|
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Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Carolina minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Information does not factor in vehicle location which can raise or lower auto insurance rates significantly.
Based on these rates, vehicles like the Ford Explorer, Ford Escape, Honda CR-V, Jeep Grand Cherokee, and Toyota Tacoma are most likely to be a few of the less-costly vehicles to insure for drivers in North Augusta.
Impact of violations and accidents on rates
The best way to enjoy the best insurance premiums in North Augusta for drivers in North Augusta is to be a cautious driver and avoid accidents and violations. The information below highlights how speeding tickets and accident claims can drive up car insurance rates for different age groups. The premiums are based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are factored in.
In the example above, the average cost of car insurance in South Carolina per year with no accidents and a clean driving record is $2,146. Get written up for two speeding tickets and the average cost swells to $2,836, an increase of $690 each year. Now get two accidents along with the two speeding tickets and the annual cost of insurance in North Augusta goes up to an average of $5,555. That's an increase of $3,409, or $284 per month, just for not paying attention while driving!
Cost difference between full coverage and liability
Reducing premiums for insurance is the goal of the majority of drivers, and one common way to lower the cost of insurance in North Augusta is to buy liability only. The chart below illustrates the difference between insurance premiums with full coverage compared to only the South Carolina minimum liability coverage. The data assumes no violations or claims, $250 deductibles, single marital status, and no discounts are applied.
If we average all the age groups together, comp and collision coverage costs an extra $2,437 per year more than carrying just liability coverage. Many of you may wonder if paying for full coverage is a waste of money. There is no definitive formula to delete physical damage coverage, but there is a general convention. If the yearly cost for physical damage coverage is about 10% or more of the settlement you would receive from your company, then you might consider buying liability only.
The example below illustrates how choosing a deductible can impact premium costs when quoting cheap insurance in North Augusta. The costs are based on a single female driver, comp and collision included, and no additional discounts are factored in.
In the chart above, a 40-year-old driver could lower their policy premium by $270 a year by switching from a $100 deductible to a $500 deductible, or save $408 by selecting a $1,000 deductible. Younger drivers, like the 20-year-old example, could reduce their rates as much as $688 annually by selecting a higher deductible. When using a larger deductible, it will be necessary to have plenty of discretionary funds to be able to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.
How to find more affordable car insurance in North Augusta
The list below shows a few money-saving suggestions that can help North Augusta drivers locate cheaper car insurance.
- Buy a safer vehicle
- Violations like speeding or DUI increase rates
- Increase your physical damage deductibles
- Improve your credit score
- Avoid accidents and claims
- Compare prices as often as possible
That last tip is certainly significant, as we noted in this piece. Insurance rates fluctuate constantly, so drivers shouldn't hesitate to buy from a new company if a cheaper rate is available.
Staying with the same car insurance company is fine, but it isn't a good idea if that loyalty results in overpaying a lot of money. It takes less than five minutes to shop around and find cheaper auto insurance in North Augusta.