Are you looking for a better way to compare more affordable car insurance rates in Greer, SC? Online rate comparisons for the cheapest Greer auto insurance can be challenging if you are like the majority of consumers and have never used online price quotes. But keep reading because comparing prices is actually very simple.

It's amazing but almost 70% of drivers kept buying from the same company for at least four years, and about 40% of consumers have never compared rates with other companies. Most drivers in South Carolina could save almost $750 each year by just comparing quotes, but they don't know the rate savings if they replace their high priced policy.

Don't overlook these auto insurance discounts

The cost of insuring your cars can be expensive, but there's a good chance there are discounts that you may not even be aware of. Certain reductions will be credited when you get a quote, but once in a while a discount must be asked about before you will receive the discount. If you do not check that you are getting every discount you qualify for, you are paying more than you should be.Discount auto insurance

As a sidenote, most credits do not apply to all coverage premiums. The majority will only reduce specific coverage prices like liability and collision coverage. So even though you would think you would end up receiving a 100% discount, that's just not realistic.

If you would like to see a list of insurance companies that offer the discounts shown above in Greer, click this link.

Many insurance companies such as Progressive, GEICO, Allstate and State Farm provide prices from their websites. This process is quite easy as all you need to do is type in your required coverages as detailed in the form. After you complete the form, their rating system gets reports for credit and driving violations and returns a price quote.

The ability to get online rates makes it simple to compare prices and it's absolutely necessary to compare as many rates as possible if you are searching for cheaper prices.

To quickly find out if lower rates are available, consider comparing rates from the companies shown below. If you have a policy now, it's recommended you input coverages and limits as shown on your current policy. This way, you're receiving a price comparison for the exact same coverage.

The car insurance companies shown below offer price quotes in Greer, SC. If multiple providers are shown, it's a good idea that you visit as many as you can to get a more complete price comparison.

Insurance Costs for Popular Vehicles in Greer
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LTZ Extended Cab 2WD $1,192 $596 $99
Dodge Ram Quad Cab TRX4 Off Road 4WD $1,212 $606 $101
Ford Escape XLS 4WD $670 $335 $56
Ford F-150 XLT Super Cab 4WD $876 $438 $73
Ford Focus SE 2-Dr Coupe $1,330 $665 $111
Ford Fusion S 4-Dr Sedan $1,150 $575 $96
GMC Sierra SL Crew Cab 4WD $1,150 $575 $96
Honda Accord LX-P 4-Dr Sedan $1,238 $619 $103
Honda CR-V EX 4WD $1,182 $591 $99
Honda Civic DX 4-Dr Sedan $1,054 $527 $88
Hyundai Sonata Limited 4-Dr Sedan $1,392 $696 $116
Jeep Grand Cherokee Laredo 2WD $1,150 $575 $96
Kia Optima LX $1,232 $616 $103
Nissan Altima 3.5 SR 4-Dr Sedan $972 $486 $81
Toyota Camry LE $1,150 $575 $96
Toyota Corolla S $1,142 $571 $95
Get Your Own Custom Quote Go

Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and South Carolina minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Premium costs do not factor in vehicle location which can increase or decrease insurance rates greatly.

Physical damage deductibles

The chart below illustrates how your choice of deductibles and can raise or lower Honda Pilot insurance premiums for each different age category. The data assumes a married female driver, full physical damage coverage, and no discounts are taken into consideration.

Honda Pilot rates are for example purposes only. To get rates for your specific vehicle, click here.

Greer insurance costs by gender and age

The example below shows the difference between annual premium costs for male and female drivers in Greer. The costs are based on a clean driving record, no at-fault accidents, comp and collision included, $250 deductibles, marital status is single, and no discounts are applied to the premium on a Nissan Sentra 2.

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

Cost comparison with and without full coverage

The information below illustrates the comparison of Honda Accord insurance rates with full coverage and liability only. The data assumes no claims or driving citations, $250 deductibles, married female driver, and no policy discounts are applied.

Honda Accord rates are for example purposes only. To get rates for your specific vehicle, click here.

When to buy liability coverage only

There is no set rule for phasing out full coverage, but there is a general guideline. If the yearly cost of comp and collision coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

For example, let's pretend your Honda Accord claim settlement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $7,000 after paying the physical damage deductible. If you are paying more than $700 a year for physical damage coverage, then you might want to think about dropping full coverage.

There are a few cases where dropping full coverage is not a good idea. If you still have a lienholder on your title, you must maintain physical damage coverage as part of the loan conditions. Also, if you can't afford to buy a different vehicle in case of an accident, you should not drop full coverage.

Make good decisions and reduce your rates

Many things are taken into consideration when you quote your car insurance policy. Some are obvious such as your driving record, but others are more transparent like where you live and annual miles driven.

Men pay higher prices - Statistics show women tend to be less risk to insure than men. This data doesn't prove that females are better drivers. Both genders get in auto accidents at about the same rate, but the males have accidents that have higher claims. Men also receive more costly citations such as driving while intoxicated (DWI) or driving recklessly. Teenage male drivers tend to get in the most accidents and thus pay the highest rates.

Claims cost money - Companies in South Carolina generally give lower rates to policyholders that do not abuse their auto insurance. If you frequently file small claims, you can definitely plan on higher premiums or even policy non-renewal. Your car insurance is designed for claims that you cannot pay yourself.

Add-on coverages you don't use - Policies have extra bells and whistles that you can buy if you aren't careful. Coverages for rental car reimbursement, towing coverage, and term life insurance may be wasting your money. These may sound like a good investment at first, but if they're wasting money consider taking them off your policy.

Poor credit can mean higher costs - Having a bad credit history factor in calculating your premium rate. If your credit history can be improved, you could pay less to insure your vehicle if you improve your credit rating. People with very high credit ratings tend to be better drivers and file fewer claims as compared to drivers with poor credit scores.

High performance vehicles cost more to insure - The type of vehicle you need to insure makes a substantial difference in determining your rates. Lower cost passenger cars usually are quite affordable to insure, but the final cost of insurance is determined by many other factors.

Your employer is a factor - Did you know your career choice can influence rates? Jobs like doctors, police officers, and miners generally pay the highest average rates because of intense work-related stress and long work days. On the flip side, jobs such as scientists, athletes and performers receive lower rates.

Different people need different auto insurance coverages

Keep in mind that when it comes to choosing coverage for your vehicles, there is no best way to insure your cars. Each situation is unique and your policy should reflect that.Auto insurance savings Here are some questions about coverages that might help in determining if your insurance needs may require specific advice.

If you're not sure about those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.

Compare rate quotes but work with a local neighborhood Greer car insurance agent

Many people would prefer to get advice from a local agent and doing that can be a smart decision A good thing about comparing rates online is you may find cheap auto insurance rates and still have an agent to talk to. And providing support for local agents is definitely important in Greer.

Find insurance agent in GreerAfter completing this quick form, your coverage information gets sent to local insurance agents that can give you free Greer auto insurance quotes for your insurance coverage. There is no reason to search for an agent as quotes are delivered directly to your email. You can most likely find cheaper rates and an insurance agent to talk to. If you wish to quote rates from a specific auto insurance provider, just go to their quote page and complete a quote there.

When narrowing the list to find a reliable insurance agent, you need to know there are two types of agencies and how they can service your needs differently. Auto insurance agencies can either be exclusive or independent (non-exclusive).

Independent Agents

Agents in the independent channel do not sell for just one brand and that allows them to write policies with lots of companies and find you cheaper rates. If they quote lower rates, they can switch companies in-house without you having to go to a different agency.

When comparing auto insurance rates, you will definitely want to compare quotes from a couple of independent agencies to ensure the widest selection of prices. Most also have access to smaller companies that can offer cheaper rates than bigger companies.

Exclusive Insurance Agencies

Agents of this type write business for a single company and examples are Farmers Insurance, Allstate, or State Farm. These agents are not able to shop your coverage around so they have no alternatives for high prices. Exclusive agents receive extensive training in insurance sales and that allows them to sell at a higher price point. Consumers frequently buy insurance from these agents mainly due to the brand and strong financial ratings.

Finding a good insurance agency requires more thought than just the premium amount. Get answers to these questions too.

Once you have received positive responses to any questions you have and an acceptable price quote, you may have found an auto insurance agent that meets your needs to properly insure your vehicles. Keep in mind you have the power to terminate coverage whenever you want so never assume that you are obligated to any specific agency for the full policy term.

Three reasons insurance is important

Even though it can be expensive, maintaining insurance is required by state law in South Carolina and it also provides benefits you may not be aware of.

First, most states have mandatory insurance requirements which means it is punishable by state law to not carry a minimum amount of liability insurance in order to license the vehicle. In South Carolina these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you bought your vehicle with a loan, it's most likely the lender will make it a condition of the loan that you have insurance to guarantee payment of the loan. If you let the policy lapse, the lender may insure your vehicle at an extremely high rate and force you to pay much more than you were paying before.

Third, insurance protects both your assets and your car. Insurance will pay for all forms of medical expenses incurred in an accident. One of the most valuable coverages, liability insurance, will also pay to defend you if you are sued as the result of your driving. If you have damage to your vehicle as the result of the weather or an accident, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.

The benefits of buying insurance are without a doubt worth the cost, particularly when you have a large claim. The average driver in America is overpaying over $865 each year so you should quote your policy with other companies at least once a year to be sure current rates are still competitive.

Best and worst vehicle claim statistics

Which vehicles have good claim ratings? The next tables outline the good and bad models for the probability of having large claims.

Comprehensive Insurance Claims by Manufacturer Model
Lowest Claims Highest Claims
Smart ForTwo Bentley Continental GT
GMC Sierra 2500 Bentley Continental GTC
Nissan Leaf BMW M6
Volvo V60 Audi S7
Nissan Xterra Maserati Granturismo
Infiniti QX50 Mercedes-Benz S Class

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Vehicles with the Lowest and Highest Auto Insurance Medical Payment Claims
Lowest Claims Highest Claims
Audi A4 Allroad Mitsubishi Lancer
Chevrolet Silverado 2500 Chevrolet Spark
Ford F-250 SuperCrew Mitsubishi Mirage
Land Rover Range Rover Sport Nissan Versa
Ford Expedition Chevrolet Sonic
Chevrolet Silverado 3500 Nissan Sentra

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Collision Coverage Claims by Vehicle Model
Lowest Claims Highest Claims
Ford F-250 SuperCab Maserati Ghibli
Mini Cooper Bently Continental GT
Nissan Xterra Bentley Continental Flying Spur
GMC Canyon Maserati Granturismo
Jeep Wrangler BMW M6
Smart ForTwo Nissan GT-R

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Vehicle Models with the Lowest and Highest Liability Insurance Claims
Lowest Claims Highest Claims
Chevrolet Corvette Chevrolet Cruze
Acura MDX Mitsubishi Mirage
Fiat 500 Kia Rio
Subaru Outback Chevrolet Sonic
Mercedes-Benz SL Class Mitsubishi Lancer
Audi A6 Chevrolet Impala

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

A conclusion for your auto insurance search

Affordable auto insurance in Greer can be bought online in addition to many Greer insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance providers don't offer internet price quotes and many times these small insurance companies only sell through independent agents.

When you buy Greer auto insurance online, never buy less coverage just to save a little money. In too many instances, an accident victim reduced uninsured motorist or liability limits and found out when filing a claim they didn't have enough coverage. Your focus should be to purchase a proper amount of coverage at a price you can afford and still be able to protect your assets.

To learn more, take a look at the resources below: