Would you like an easy way to compare more affordable auto insurance rates in North Augusta, SC? Did you come to the realization that you have an overpriced auto insurance policy? It's a common feeling and many North Augusta drivers feel the same as you.

It's amazing but a large majority of auto insurance policyholders have been with the same company for more than four years, and almost 40% of drivers have never even compared rates from other companies. North Augusta drivers could cut their rates by almost 55% a year, but they feel it's too difficult to save money by comparing rate quotes. Many insurers vie to insure your vehicles, and because of this it can be hard to compare auto insurance companies and get the definite lowest price on auto insurance.

It's a good habit to take a look at other company's rates yearly because prices are usually higher with each renewal. Just because you had the lowest price on auto insurance six months ago other companies may now be cheaper. Ignore everything you know about auto insurance because I'm going to let you in on the secrets to one of the quickest ways to save money, get proper deductibles and limits, all at the lowest rate.

If you are already insured or are looking for a new policy, you can follow these tips to get lower rates without reducing coverage. Choosing the best rates in North Augusta is actually quite easy if you know where to start. Vehicle owners just need to know the proper methods to shop their coverage around from many companies at once.

Getting a more affordable price on insurance is a great way to save money. Just spend a little time comparing rate quotes to see which company has cheap North Augusta auto insurance quotes.

It's so fast and easy to compare quotes online that it takes the place of having to drive around to different North Augusta agent offices. Shopping for auto insurance online has made agencies unnecessary unless your situation requires the professional guidance that only a licensed agent can provide. However, consumers can get prices online and have a local North Augusta agent actually service the policy.

The companies shown below provide comparison quotes in North Augusta, SC. If multiple companies are shown, we recommend you compare several of them to get a more complete price comparison.

Insurance Price Estimates for Popular Vehicles in North Augusta
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LS 2WD $1,172 $586 $98
Chevrolet Impala LTZ $834 $417 $70
Chevrolet Malibu LT $1,084 $542 $90
Chevrolet Silverado LT Crew Cab 2WD $1,184 $592 $99
Dodge Ram Quad Cab Sport 4WD $1,058 $529 $88
Ford Edge Sport 2WD $1,124 $562 $94
Ford Escape XLT 2WD $1,022 $511 $85
Ford Explorer Eddie Bauer 4WD $920 $460 $77
Ford F-150 FX2 Super Cab 2WD $1,226 $613 $102
Ford Focus SE 4-Dr Sedan $920 $460 $77
Honda Accord LX 4-Dr Sedan $872 $436 $73
Honda CR-V LX 4WD $862 $431 $72
Honda Civic Hybrid 4-Dr Sedan $1,146 $573 $96
Honda Odyssey EX-L W/Rear Entertainment $950 $475 $79
Nissan Altima 3.5 SR 2-Dr Coupe $1,086 $543 $91
Toyota Camry SE $1,448 $724 $121
Toyota Corolla LE $1,290 $645 $108
Toyota Tacoma X-Runner 2WD $834 $417 $70
Volkswagen Jetta S 2.5 Station Wagon $1,260 $630 $105
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Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and South Carolina minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Prices do not factor in specific zip code location which can revise rates greatly.

Can higher deductibles save money?

A question often asked by North Augusta drivers is at what level do you set your deductibles. The following tables may help you to understand the differences in price when you select higher and lower physical damage deductibles. The first data table uses a $100 physical damage coverage deductible and the second set of rates uses a $500 deductible.

Toyota Camry rates are for example purposes only. To get rates for your specific vehicle, click here.

Toyota Camry insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $294 $530 $342 $20 $102 $1,313 $109
Camry SE $294 $624 $342 $20 $102 $1,407 $117
Camry XLE $294 $624 $342 $20 $102 $1,407 $117
Camry Hybrid $332 $624 $386 $22 $116 $1,505 $125
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Toyota Camry insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Camry LE $214 $358 $342 $20 $102 $1,036 $86
Camry SE $214 $422 $342 $20 $102 $1,100 $92
Camry XLE $214 $422 $342 $20 $102 $1,100 $92
Camry Hybrid $242 $422 $386 $22 $116 $1,188 $99
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and South Carolina minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Rate information does not factor in specific location information which can raise or lower price quotes greatly.

Using the data above, we can ascertain that using a $100 deductible costs an average of $25 more each month or $300 every year than opting for the higher $500 deductible. Due to the fact that you would have to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you normally go at a minimum 16 months between claim filings, you would probably be better off if you choose a higher deductible.

How to determine when to raise your deductibles

Average monthly premium for $100 deductibles: $117
Average monthly premium for $500 deductibles (subtract): - $92
Monthly savings from raising deductible: $25
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $25
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 16 months

One big caveat is that raising deductibles to get cheaper rates results in a higher out-of-pocket expense at claim time. You need to make sure you have some available funds in the event you need to pay the deductible for vehicle repair.

Comparison of auto insurance rates by gender

The diagram below shows the difference between auto insurance costs for male and female drivers in North Augusta. The premiums assume no claims, a clean driving record, comp and collision included, $1,000 deductibles, drivers are not married, and no discounts are factored in on a Nissan Altima 2.5.

Nissan Altima rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Cheap North Augusta car insurance rates with discounts

Car insurance is expensive, but you might be missing out on some discounts that you may not even know about. Many of these discounts will be applied automatically at the time of quoting, but once in a while a discount must be specifically requested before they will apply.Car insurance discounts

It's important to note that most of the big mark downs will not be given to the entire policy premium. Most only apply to specific coverage prices like comprehensive or collision. So despite the fact that it appears you would end up receiving a 100% discount, it doesn't quite work that way. Any amount of discount will positively reduce your car insurance premiums.

A few of the larger companies and the discounts they provide are:

Before buying, ask all the companies how you can save money. Some discounts might not be offered in North Augusta. To locate insurance companies that offer discounts in South Carolina, click here to view.

Auto insurance claims by make and model

Which makes and models have the most claims? The following tables show the best and worst vehicle makes and models for the probability of having large claims for each type of coverage.

Auto Insurance Liability Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Subaru Outback Kia Optima
Acura MDX Mitsubishi Mirage
Volvo XC60 Chevrolet Impala
Audi A6 Dodge Charger
Mercedes-Benz SL Class Mitsubishi Lancer
Fiat 500 Chrysler 200

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Auto Insurance Medical Payment Claims by Vehicle Make and Model
Lowest Claim Frequency Highest Claim Frequency
Ford Expedition Dodge Charger
Ford F-250 SuperCrew Chevrolet Spark
Ford F-350 SuperCrew Kia Forte
Chevrolet Silverado 3500 Nissan Versa
Chevrolet Silverado 2500 Mitsubishi Lancer
Audi A4 Allroad Hyundai Accent

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Comprehensive Coverage Claims by Manufacturer Model
Lowest Claim Frequency Highest Claim Frequency
Nissan Leaf BMW M6
Nissan Xterra Porsche Panamera GTS
Infiniti QX50 Bentley Continental GTC
Ford F-350 Mercedes-Benz S Class
Smart ForTwo Audi S7
Chevy Silverado 2500 Bentley Continental GT

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Collision Insurance Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Ford F-150 SuperCrew BMW 6 Series
Smart ForTwo Bently Continental GTC
Chevrolet Colorado Bentley Continental Flying Spur
Ford Edge Maserati Ghibli
Nissan Xterra Ferrari 458
GMC Canyon BMW M6

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Be skeptical of auto insurance ads

South Carolina consumers can't get away from ads that claim the best premium rates by companies like State Farm, GEICO and Progressive. They all seem to make the point that you'll save big if you get a free North Augusta auto insurance quote and switch your coverage.

That's great but how can every company charge you less for car insurance? It's all in the numbers.

All the different companies provide the lowest rates for the driver that will most likely be profitable. For instance, this type of insured could possibly be a female over age 40, has no tickets, and drives less than 5,000 miles a year. Any driver who fits those characteristics will get the preferred premium rates in North Augusta and have a good chance to save when they switch companies.

Insureds who are not a match for the requirements may be forced to pay a higher rate which leads to the customer not purchasing. If you pay close attention to the ads, they say "people who switch" not "everyone who quotes" save that kind of money. That is how insurance companies can confidently advertise the savings. Different companies use different criteria so you really should compare as many free North Augusta auto insurance quotes as you can. It's impossible to know which company will have the best auto insurance in North Augusta.

Car insurance coverage specifics

Knowing the specifics of your policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Shown next are typical coverages found on most car insurance policies.

Auto liability insurance - This coverage protects you from injuries or damage you cause to a person or their property that is your fault. It protects you against claims from other people. Liability doesn't cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 which means $25,000 in coverage for each person's injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage protects against things such as attorney fees, loss of income and medical expenses. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford. South Carolina requires drivers to carry at least 25/50/25 but drivers should carry better liability coverage.

Medical payments and PIP coverage - Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for chiropractic care, ambulance fees and nursing services. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive auto coverage - Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as falling objects, hitting a deer, fire damage, a tree branch falling on your vehicle and damage from flooding. The maximum amount you'll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage - Your UM/UIM coverage protects you and your vehicle's occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle's occupants and also any damage incurred to your vehicle.

Since a lot of drivers have only the minimum liability required by law (25/50/25 in South Carolina), their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Collision coverage - Collision coverage will pay to fix damage to your vehicle caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like scraping a guard rail, backing into a parked car, rolling your car and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Car insurance savings summarized

As you restructure your insurance plan, do not sacrifice coverage to reduce premiums. There have been many cases where an insured dropped uninsured motorist or liability limits and learned later that the savings was not a smart move. Your objective should be to buy the best coverage you can find at the best price.

You just read a lot of ways to save on car insurance in North Augusta. The key concept to understand is the more times you quote, the better chance you'll have of finding the cheapest North Augusta auto insurance quotes. You may even discover the best rates are with a smaller regional carrier. Some small companies may only write in your state and offer lower auto insurance rates than their larger competitors like Progressive or GEICO.

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