Would you like an easy way to compare more affordable insurance rates in Aiken, SC? Wish you could get out of an overpriced insurance policy? You're in good company because you're not alone.

A study showed that most insurance policyholders kept buying from the same company for well over three years, and 38% of drivers have never compared rates from other carriers. South Carolina drivers could pocket nearly $749 a year just by shopping around, but they think it's difficult to compare rate quotes.

Lots of car insurance companies contend for your business, and it can be difficult to compare rates and uncover the absolute best price available on insurance.

If you have coverage now, you will most likely be able to save money using the concepts you're about to learn. Finding the cheapest car insurance coverage in Aiken is much easier if you know where to start. But South Carolina consumers need to have an understanding of how big insurance companies determine premium rates because it varies considerably.

Just remember that comparing more quotes helps improve the odds of finding a better price. Some companies don't provide rate quotes online, so it's necessary to compare prices on coverage from those companies, too.

The providers in the list below are our best choices to provide free quotes in South Carolina. If multiple companies are shown, we recommend you click on several of them to get the best price comparison.

Insurance Rate Estimates for Popular Vehicles in Aiken
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LS AWD $1,172 $586 $98
Chevrolet Silverado LT Extended Cab 2WD $1,154 $577 $96
Dodge Grand Caravan CV $838 $419 $70
Dodge Ram Crew Cab SLT 2WD $1,124 $562 $94
Ford Escape Limited 4WD $966 $483 $81
Ford F-150 SVT Raptor Super Cab 4WD $1,364 $682 $114
Ford Focus S 4-Dr Sedan $896 $448 $75
Honda Accord EX 4-Dr Sedan $846 $423 $71
Honda CR-V EX 2WD $880 $440 $73
Honda Civic EX-L 2-Dr Coupe $1,438 $719 $120
Hyundai Elantra SE 4-Dr Sedan $1,098 $549 $92
Jeep Grand Cherokee Limited 2WD $992 $496 $83
Jeep Wrangler Unlimited Sahara 2WD 4-Dr $1,006 $503 $84
Nissan Altima Hybrid 4-Dr Sedan $1,312 $656 $109
Toyota Camry Hybrid $1,494 $747 $125
Toyota Corolla LE $1,242 $621 $104
Toyota Prius $956 $478 $80
Get Your Own Custom Quote Go

Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and South Carolina minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Rates do not factor in vehicle garaging location which can raise or lower price quotes substantially.

Full coverage rates compared to liability-only

The example below illustrates the comparison of Chevrolet Tahoe yearly insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The prices are based on no tickets, no at-fault accidents, $1,000 deductibles, married female driver, and no other discounts are factored in.

Chevrolet Tahoe rates are for example purposes only. To get rates for your specific vehicle, click here.

When to switch to liability coverage only

There is no exact rule of when to exclude physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is more than 10% of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.

For example, let's say your Chevrolet Tahoe replacement cost is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would receive is $2,000 after the deductible is paid. If premium cost is more than $200 annually for your policy with full coverage, then you might consider buying liability only.

There are some situations where eliminating full coverage is not recommended. If you haven't paid off your loan, you have to keep full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should keep full coverage in place.

Insurance is an important decision

Despite the high cost, buying insurance is most likely required but also gives you several important benefits.

The benefits of having insurance greatly outweigh the cost, especially when you need to use it. But the average American driver overpays more than $865 each year so compare rate quotes each time the policy renews to be sure current rates are still competitive.

Auto insurance policy discounts you can't miss

Companies that sell car insurance don't always advertise all possible discounts very well, so the following list contains a few of the more well known as well as some of the hidden discounts that you may qualify for.Discount auto insurance

Remember that most credits do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like comp or med pay. So even though they make it sound like you would end up receiving a 100% discount, it's just not the way it works.

Popular auto insurance companies and some of the discounts are shown below.

It's a good idea to ask each insurance company what discounts are available to you. A few discounts may not apply in Aiken. For a list of auto insurance companies with discount auto insurance rates in Aiken, click here to view.

Auto insurance overall losses by make and model

Which are the best vehicles for low claims? The next tables show the highest and lowest manufacturer models for the overall chance of filing claims.

Vehicle Models with the Lowest and Highest Collision Insurance Claims
Lowest Overall Losses Highest Overall Losses
Ford Edge Audi RS7
Chevrolet Colorado BMW 6 Series
GMC Canyon Maserati Ghibli
Ford F-150 SuperCrew Bently Continental GTC
Nissan Xterra Ferrari 458
Mini Cooper Maserati Granturismo

Statistics from IIHS.org for 2013-2015 Model Years

Lowest and Highest Comprehensive Claims by Vehicle
Lowest Overall Losses Highest Overall Losses
GMC Sierra 2500 Maserati Quattroporte
Smart ForTwo Bentley Continental GT
Ford F-350 Maserati Granturismo
Nissan Leaf Audi S7
Volvo V60 BMW M6
Infiniti QX50 Bentley Continental GTC

Statistics from IIHS.org for 2013-2015 Model Years

Lowest and Highest Liability Coverage Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Subaru Forester Chevrolet Cruze
Mercedes-Benz SL Class Hyndai Accent
Acura MDX Mitsubishi Mirage
Audi A6 Chevrolet Sonic
Chevrolet Corvette Mitsubishi Lancer
Subaru Outback Chevrolet Impala

Statistics from IIHS.org for 2013-2015 Model Years

Lowest and Highest Medical Payment Insurance Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Chevrolet Silverado 3500 Kia Forte
Audi A4 Allroad Chevrolet Spark
Ford Expedition Chevrolet Sonic
Land Rover Range Rover Sport Hyundai Accent
Ford F-250 SuperCrew Mitsubishi Lancer
Ford F-350 SuperCrew Nissan Sentra

Statistics from IIHS.org for 2013-2015 Model Years

Information about specific coverages

Knowing the specifics of your policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you'll find the normal coverages available from insurance companies.

Collision protection

Collision insurance will pay to fix damage to your vehicle resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as sustaining damage from a pot hole, hitting a mailbox, crashing into a ditch, damaging your car on a curb and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as a broken windshield, a tree branch falling on your vehicle, hail damage, falling objects and theft. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Coverage for liability

Liability coverage will cover damage or injury you incur to other people or property by causing an accident. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 that translate to $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 like medical services, court costs, structural damage, repair bills for other people's vehicles and emergency aid. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible. South Carolina state law requires minimum liability limits of 25/50/25 but you should consider buying higher limits.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as chiropractic care, ambulance fees, pain medications, X-ray expenses and dental work. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and also any damage incurred to your vehicle.

Because many people carry very low liability coverage limits (South Carolina limits are 25/50/25), their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Quote often and quote early

In this article, we covered a lot of ways to shop for auto insurance online. The key thing to remember is the more rate quotes you have, the better chance you'll have of finding cheap Aiken car insurance quotes. Consumers may even find the lowest priced auto insurance comes from an unexpected company. These companies often have lower rates on specific markets compared to the large companies like Allstate or State Farm.

As you quote Aiken car insurance, it's a bad idea to buy poor coverage just to save money. In many instances, an insured dropped liability limits or collision coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy enough coverage at an affordable rate, not the least amount of coverage.

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