Are you tired of paying out the nose to pay car insurance each month? You have the same problem as the majority of other vehicle owners in South Carolina.
Sad but true, almost 70% of drivers kept buying from the same company for a minimum of four years, and 38% of drivers have never even compared rates from other companies. Columbia consumers can save about $750 each year by just shopping around, but they mistakenly think it's difficult to compare other rate quotes.
Online insurance companies like State Farm, Farmers Insurance, GEICO and Allstate all promote huge savings with ads and it can be hard to see through the cute green geckos and mayhem and find the best price available.
It is always a good idea to check car insurance prices once or twice a year because prices change regularly. Despite the fact that you may have had the lowest rates on Ford Mustang insurance in Columbia on your last policy you can probably find a better premium rate now. Block out anything you think you know about car insurance because you're going to learn the things you must know in order to save money, get proper coverage and the best rates.
If you currently have auto insurance, you will be able to get lower rates using this strategy. Buying the cheapest auto insurance in Columbia is actually quite easy if you know where to start. But South Carolina car owners can benefit from knowing how insurance companies charge you for coverage because it varies considerably.
Companies offering Ford Mustang insurance in South Carolina
The providers in the list below provide quotes in South Carolina. If multiple providers are shown, we recommend you visit several of them to get the best price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Mustang 2-Dr Convertible||$186||$330||$448||$26||$134||$1,124||$94|
|Mustang 2-Dr Coupe||$204||$434||$400||$24||$120||$1,182||$99|
|Mustang GT 2-Dr Convertible||$292||$694||$412||$24||$124||$1,546||$129|
|Mustang GT 2-Dr Coupe||$210||$380||$558||$34||$168||$1,350||$113|
|Mustang Shelby GT500 2-Dr Convertible||$256||$632||$320||$18||$96||$1,322||$110|
|Mustang Shelby GT500 2-Dr Coupe||$216||$598||$554||$32||$166||$1,566||$131|
|Get Your Own Custom Quote Go|
Cost estimates assume 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, multi-vehicle, homeowner, safe-driver, and multi-policy. Rate quotes do not factor in Columbia location which can raise or lower rates considerably.
The illustration below illustrates how choosing a deductible and can increase or decrease Ford Mustang premium costs for different ages of insureds. The premiums assume a single female driver, full coverage, and no discounts are applied to the premium.
Verify you're earning every discount
Companies offering auto insurance don't always publicize their entire list of discounts in an easy-to-find place, so the next list breaks down both the well known as well as the least known discounts that you can inquire about if you buy Columbia car insurance online.
- No Claims - Drivers who don't have accidents pay less as compared to insureds who have frequent claims or accidents.
- Discounts for New Vehicles - Adding a new car to your policy can be considerably cheaper due to better safety requirements for newer vehicles.
- Homeowners Savings - Just being a homeowner can earn you a little savings because owning a home requires personal responsibility.
- Driver Education Discount - Teen drivers should successfully complete driver's ed class in high school.
- Discount for Life Insurance - Not every insurance company offers life insurance, but if they do you may earn a break if you buy life insurance from them.
Don't be surprised that some credits don't apply to your bottom line cost. Some only apply to specific coverage prices like comprehensive or collision. Even though the math looks like all those discounts means the company will pay you, companies wouldn't make money that way.
If you would like to view providers that offer discounts in South Carolina, click here to view.
You may need help from an insurance agent
Some consumers just want to buy from a local agent and that is not a bad decision The biggest benefit of comparing auto insurance online is the fact that drivers can get cheaper car insurance rates and still buy from a local agent.
For easy comparison, once you complete this quick form, your insurance coverage information is sent to local insurance agents who will give you bids for your business. There is no need to leave your house due to the fact that quote results will go straight to your inbox. You can find the lowest rates and work with a local agent. If you need to compare rates from a specific auto insurance provider, just find their quoting web page and give them your coverage information.
Picking the best insurance company should include more criteria than just a low price. Any agent in Columbia should be forthright in answering these questions:
- How would your car be valued if totalled?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Are they actively involved in the community?
- Will the quote change when the policy is issued?
- How are they compensated?
Types of auto insurance agents
If you are wanting to find a reliable agent, there are two types of agencies that you can select. Auto insurance agencies are classified as either independent or exclusive.
Exclusive Insurance Agents
These agents write business for a single company and examples are American Family, State Farm, and Allstate. These agents are not able to shop your coverage around so they have to upsell other benefits. Exclusive insurance agents are usually quite knowledgeable on their company's products and that allows them to sell at a higher price point.
Below is a list of exclusive insurance agents in Columbia willing to provide rate quotes.
Charles Piercy - State Farm Insurance Agent
7626 US-1 - Columbia, SC 29223 - (803) 788-1200 - View Map
Independent Agencies or Brokers
These agents are not employed by any specific company and that allows them to write policies through lots of different companies and potentially find a lower price. If you are not satisfied with one company, the agent simply finds a different carrier and that require little work on your part.
When comparing rate quotes, you definitely need to get rate quotes from several independent agencies in order to compare the most rates.
The following are Columbia independent agencies who can help you get rate quotes.
Lower rates by being persistent
Throughout this article, we presented quite a bit of information on how to shop for Ford Mustang insurance online. The key concept to understand is the more rate comparisons you have, the better chance you'll have of finding low cost Columbia car insurance quotes. Drivers may even discover the most savings is with a lesser-known regional company. These smaller insurers can often provide lower rates in certain areas than the large multi-state companies such as State Farm and Allstate.
Low-cost Ford Mustang insurance in Columbia can be bought online in addition to local insurance agencies, so you need to shop Columbia car insurance with both to get a complete price analysis. Some auto insurance companies do not offer online quoting and usually these small, regional companies sell through independent agents.
When shopping online for auto insurance, it's not a good idea to reduce coverage to reduce premium. There are many occasions where someone dropped collision coverage only to discover later that the few dollars in savings costed them thousands. Your goal should be to buy enough coverage at the lowest possible cost but still have enough coverage for asset protection.
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