Figuring out which company quotes the cheapest car insurance rates in Taylors will involve a bit more effort thank just comparing rates from one or two companies. Each auto insurer uses their own formula to establish rates, so we need to take a look at the car insurance companies with the overall best prices in Taylors.
Keep in mind that Taylors car insurance rates are impacted by many factors which can substantially change the price you pay. Improving your credit rating, having a claim, or getting a ticket for running a stop sign can cause premium changes that can cause some rates to be cheaper than others.
|Rank||Company||Cost Per Year|
|5||Southern Farm Bureau||$1,286|
|6||SC Farm Bureau Mutual||$1,298|
|8||National Grange Mutual||$1,361|
|Get a Custom Quote Go|
The Hartford normally has some of the best car insurance rates in Taylors at around $775 each year. USAA, State Auto, Auto-Owners, and Southern Farm Bureau also are some of the most economical Taylors, SC insurance companies.
As shown in the table above, if you currently have a policy with Auto-Owners and switched to USAA, you might realize a yearly savings of around $146. Customers with Southern Farm Bureau might save as much as $291 a year, and SC Farm Bureau Mutual insureds might lower prices by up to $303 a year.
If you want to see how much you could save, click here to start your custom quote or click through to the companies below.
Bear in mind that those policy rates are averages for all drivers and vehicles and and are not figured with a specific vehicle garaging location in Taylors. So the insurer that can offer you the lowest price may not even be in the list above. That illustrates why you need to compare rates from multiple companies using your own specific driver information and vehicle.
For drivers in Taylors, one of the big factors that help determine car insurance rates is where you live in Taylors. Larger areas are more likely to pay higher prices, whereas less populated areas have the luxury of lower rates.
The table below ranks the most costly cities in South Carolina to purchase auto insurance in. Taylors is ranked #21 with the yearly price of $1,063 for the average policyholder, which is around $89 per month.
|Rank||City||Average Per Year|
|11||Hilton Head Island||$1,162|
|Start a Quote Go|
Rate information is estimated as the garaging address in Taylors can raise or lower coverage rates considerably.
The vehicle that needs insurance is one of the largest considerations when comparison shopping for the best cheap coverage in Taylors. Vehicles with high performance, poor passenger safety features, or a track record of large liability claims will cost much more to insure than safer models.
The list below features insurance costs for some of the more affordable vehicles to buy insurance for.
|Make and Model||Estimated Cost for Full Coverage|
|Honda Accord EX-L 4-Dr Sedan||$880|
|Ford Escape XLS 4WD||$931|
|Honda CR-V EX 4WD||$952|
|Chevrolet Equinox LT 2WD||$960|
|Toyota RAV4 Sport 4WD||$968|
|Jeep Grand Cherokee Laredo 4WD||$960|
|Jeep Wrangler Unlimited Sport 2WD 4-Dr||$976|
|Ford F-150 Lariat Crew Cab Harley 2WD||$1,029|
|GMC Sierra 2500HD SLE Crew Cab 4WD||$1,039|
|Kia Optima LX||$1,029|
|GMC Sierra Denali Crew Cab 2WD||$1,097|
|Toyota Camry Hybrid||$1,099|
|Dodge Grand Caravan Hero||$1,101|
|Volkswagen Jetta LE 4-Dr Sedan||$1,110|
|Toyota Tacoma Double Cab 4WD||$1,101|
|Compare Rates Now Go|
Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Rate information does not factor in specific Taylors, SC garaging location which can influence insurance rates significantly.
Based upon the table data, you can presume that vehicles like the Honda Accord, Ford Escape, Honda CR-V, Chevrolet Equinox, and Toyota RAV4 will definitely be the less-costly vehicles to insure for drivers in Taylors.
How to get discounts on Taylors insurance
Insurers that offer quotes in Taylors may also give you rate discounts that can lower rates by as much as 40% or more if you are eligible for them. A few popular companies and some of their more popular discounts include:
- State Farm may offer discounts for multiple autos, multiple policy, driver's education, safe vehicle, good student, Drive Safe & Save, and defensive driving training.
- GEICO may have discounts that include membership and employees, air bags, daytime running lights, multi-vehicle, defensive driver, and federal employee.
- Progressive offers discounts including continuous coverage, homeowner, multi-vehicle, good student, online signing, and online quote discount.
- 21st Century offers discounts for teen driver, theft prevention, defensive driver, student driver, automatic seat belts, and air bags.
- American Family may include discounts for mySafetyValet, Steer into Savings, accident-free, early bird, TimeAway discount, and good student.
- The Hartford has savings for driver training, air bag, bundle, defensive driver, good student, anti-theft, and vehicle fuel type.
- AAA includes discounts for good student, multi-policy, education and occupation, pay-in-full, good driver, and AAA membership discount.
The example below visualizes the comparison of annual premium costs with and without some available policy discounts. Data assumes a male driver, no violations or claims, South Carolina state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with vehicle safety, claim-free, homeowner, multiple vehicle, defensive driving course, and accident-free discounts applied. When these discounts are applied to the policy premium, theaverage yearly reduction on insurance in Taylors is 28% or $488.
The illustration below shows how different deductible levels can impact insurance prices when searching for cheap insurance in Taylors. The information is based on a married male driver, comprehensive and collision coverage, and no other discounts are factored in.
A 50-year-old driver could cut expenses by $318 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $482 by changing to a $1,000 deductible. Youthful drivers, such as the 20-year-old example, could shave up to $1,080 each year just by choosing higher deductibles when buying full coverage. When choosing a higher deductible, it is a good idea to have enough savings to offset the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
Violations and accidents raise rates
A great way to snag the most affordable insurance prices in Taylors for drivers in Taylors is to drive safely and avoid accidents and violations. The information below shows how speeding tickets and at-fault collisions can impact auto insurance costs for different age groups. The rates are based on a married male driver, comp and collision included, $100 deductibles, and no other discounts are factored in.
In the previous chart, the average cost of auto insurance in Taylors per year with a clean driving record and no accidents is $2,276. Get written up for one speeding ticket and the average cost increases to $2,612, an increase of $336 each year. Now add in two accidents along with the one speeding ticket and the annual cost of insurance in Taylors jumps again to an average of $5,428. That's an increase of $3,152, or $263 per month, just for not keeping your driving record clean!
Ideas for buying economical car insurance in Taylors
Below you'll find some of the better penny-pinching solutions that can help Taylors drivers find cheap coverage.
- The safer your car, the less it costs to insure
- Save money by bundling your home and auto policies
- Increase your credit rating
- Higher deductibles save money
- Do not waste money insuring older vehicles for full coverage
- Pay for smaller claims out-of-pocket
- Shop around for cheaper prices
That last idea is extremely necessary, as was pointed out in the prior article. Coverage rates can change significantly in a year, so drivers shouldn't be resistant to change to a new company if a more affordable rate is found. Brand loyalty is great, but we do not recommend it if that inflexibility results in costing you several hundred dollars every year. Take a couple minutes and shop around to find cheaper car insurance in Taylors.