Purchasing lower-cost quotes online might appear somewhat intimidating for vehicle owners who are beginners to quoting and comparison shopping over the internet. With dozens of insurers to choose from, how are vehicle owners expected to have the ability to compare every possible option in order to find cheaper auto insurance prices?
Unbelievable but true according to a study most consumers kept their coverage with the same auto insurance company for four years or more, and just under half have never compared rate quotes at all. Hanahan drivers could save about $749 a year just by getting comparison quotes, but they just feel it's too hard to compare other rate quotes.
If you have a current car insurance policy, you stand a good chance to be able to reduce premiums using the concepts covered in this article. Quoting and comparing the lowest cost car insurance in Hanahan is not as difficult as people think. But South Carolina consumers benefit from understanding how insurance companies set your policy premium because it varies considerably.
Affordable car insurance companies in Hanahan
The car insurance companies shown below can provide quotes in South Carolina. If multiple companies are listed, it's highly recommended you compare several of them to find the lowest car insurance rates.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Silverado LS Regular Cab 2WD||$1,086||$543||$91|
|Dodge Grand Caravan CV||$1,146||$573||$96|
|Dodge Ram Quad Cab TRX4 Off Road 2WD||$1,470||$735||$123|
|Ford Edge Limited AWD||$1,562||$781||$130|
|Ford Escape XLT 2WD||$670||$335||$56|
|Ford F-150 STX Super Cab 2WD||$1,114||$557||$93|
|Ford Focus SE 4-Dr Sedan||$1,180||$590||$98|
|Honda Accord EX-L 2-Dr Coupe||$1,156||$578||$96|
|Honda CR-V EX 4WD||$1,048||$524||$87|
|Honda Civic EX-L 4-Dr Sedan||$1,318||$659||$110|
|Honda Odyssey EX-L W/Rear Entertainment||$950||$475||$79|
|Jeep Grand Cherokee Limited 2WD||$1,320||$660||$110|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$1,000||$500||$83|
|Nissan Altima 3.5 SR 4-Dr Sedan||$1,124||$562||$94|
|Nissan Rogue SL 2WD||$1,116||$558||$93|
|Toyota Camry SE||$986||$493||$82|
|Toyota Corolla XLE||$1,122||$561||$94|
|Toyota RAV4 Sport 4WD||$1,352||$676||$113|
|Get Your Own Custom Quote Go|
Table data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and South Carolina minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Premium amounts do not factor in specific zip code location which can raise or lower prices significantly.
Comparison of policy deductibles
The diagram below illustrates how choosing a deductible and can change Ford Escape insurance costs for each age group. The rate quotes are based on a single male driver, comp and collision included, and no additional discounts are factored in.
Ford Escape rates are for example purposes only. To get rates for your specific vehicle, click here.
Smart consumers can reduce your rates
Smart consumers have a good feel for the factors that go into determining your policy premiums. When consumers understand what impacts premium levels, this allows you to make educated decisions that may reward you with big savings.
Big city or small town - Being located in areas with lower population has it's advantages if you are looking for the lowest rates. City drivers tend to have more road rage incidents and much longer commute distances. Less people corresponds to lower accident rates in addition to lower liability claims
Better premiums on safer cars - Cars with five star safety ratings cost less to insure. Safe vehicles help reduce the chance of injuries in an accident and fewer injuries means lower claim amounts which can mean better rates for you. If your car is rated at a minimum four stars on Safercar.gov you may qualify for a discount.
Traffic violations increase costs - Even a single speeding ticket could increase your next policy renewal by as much as thirty percent. Drivers who don't get tickets pay less for auto insurance than their less careful counterparts. Drivers unfortunate enough to have dangerous citations such as hit and run, DWI or reckless driving convictions might be required by their state to submit a SR-22 form to the state department of motor vehicles in order to prevent a license revocation.
You might pay more if you are single - Getting married may earn you lower rates when buying car insurance. Having a significant other generally demonstrates drivers are more mature and insurance companies like that married drivers tend to have fewer serious accidents.
Combine and save - Most insurance companies apply discounts to insureds that purchase more than one policy. It's known as a multi-policy discount. The discount can add up to ten or even fifteen percent. Even with this discount applied, consumers should still comparison shop to guarantee you are still saving the most.
Do you really need to file that car insurance claims? - If you frequently file small claims, you can definitely plan on much higher rates or policy non-renewal. Insurance companies in South Carolina award the lowest premiums to drivers who only file infrequent claims. Your car insurance is intended for larger claims.
Take policy discounts and save on auto insurance
Auto insurance companies do not advertise every policy discount very clearly, so below is a list some of the more common and also the lesser-known credits available to bring down your rates.
- Renewal Discounts - Some auto insurance companies reward drivers for renewing your policy before your current coverage expires. It's a savings of about 10%.
- Bundled Policy Discount - When you combine your home and auto insurance and insure them with the same company you could earn a discount of as much as 10 to 15 percent.
- Multi-car Discount - Insuring primary and secondary vehicles on one policy can reduce the rates for all insured vehicles.
- Senior Citizen Rates - If you qualify as a senior citizen, you are able to get a slight reduction on a Hanahan auto insurance quote.
- Full Payment Discount - If paying your policy premium upfront rather than spreading payments over time you could save up to 5%.
- Driver Education Discount - Require your teen driver to enroll and complete driver's education in high school.
It's important to note that most discounts do not apply to the entire cost. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Just because it seems like you can get free auto insurance, it just doesn't work that way.
To view insurance companies who offer free auto insurance quotes in South Carolina, click here.
Which policy gives me the best coverage?
Always keep in mind that when comparing insurance from an agent or online for your personal vehicles, there is no single plan that fits everyone. Your financial needs are unique.
For instance, these questions could help you determine if you could use an agent's help.
- Does my policy cover my teen driver if they drive my company car?
- Why do I only qualify for high-risk insurance?
- Why do I need rental car insurance?
- Am I covered while delivering pizza?
- Is there a penalty for late payment?
- Are split liability limits better than a combined single limit?
If you don't know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form.
Auto insurance savings summarized
Cheaper auto insurance in Hanahan can be purchased from both online companies in addition to local insurance agencies, so you need to quote Hanahan auto insurance with both to get a complete price analysis. Some companies don't offer online quoting and these smaller companies only sell through local independent agents.
We just covered a lot of techniques to save on auto insurance in Hanahan. The most important thing to understand is the more providers you compare, the higher your chance of finding low cost Hanahan auto insurance quotes. Consumers could even find that the most savings is with a smaller regional carrier.
When getting Hanahan auto insurance quotes online, it's not a good idea to buy less coverage just to save a little money. There are a lot of situations where someone sacrificed collision coverage to discover at claim time they didn't have enough coverage. The goal is to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.
More information is available at the links below
- Safe Vehicles for Teens (iihs.org)
- Who Has Affordable South Carolina Auto Insurance Quotes for a Hyundai Elantra? (FAQ)
- Who Has Cheap Auto Insurance Quotes for a Toyota Highlander in South Carolina? (FAQ)
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)