Are you doing reasearch to find more competitive car insurance rates in Simpsonville, SC? Searching for the cheapest insurance for a new or used car in South Carolina can turn out to be a painful process, but you can use a few tricks and make it easy. There is a better way to buy car insurance so we're going to tell you the proper way to price shop coverage for a new or used and locate the lowest possible price from Simpsonville insurance agents and online providers.
You should make it a habit to do rate comparisons before your next renewal since insurance prices tend to go up over time. Even if you got the lowest quotes on car insurance six months ago there may be better deals available now. Ignore everything you know about car insurance because I'm going to let you in on the secrets to the best way to eliminate unnecessary coverages and save money on car insurance.
If you have a current auto insurance policy or just want a better rate, follow these tips to reduce the price you pay while maximizing coverage. Quoting and comparing rates for the lowest-priced auto insurance in Simpsonville is simple if you know the tricks. Consumers just have to use the most efficient way to buy auto insurance from multiple carriers.
Companies offering competitive rate quotes in South Carolina
The companies shown below have been selected to offer price quotes in South Carolina. If multiple companies are shown, we recommend you visit as many as you can in order to get a fair rate comparison.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Silverado LTZ Crew Cab 4WD||$1,284||$642||$107|
|Dodge Grand Caravan SXT||$1,210||$605||$101|
|Dodge Ram Quad Cab Laramie 4WD||$1,300||$650||$108|
|Ford Edge Limited 2WD||$1,050||$525||$88|
|Ford Escape XLT 2WD||$794||$397||$66|
|Ford F-150 STX Super Cab 4WD||$1,272||$636||$106|
|Ford Focus SES 4-Dr Sedan||$836||$418||$70|
|Ford Fusion SEL AWD 4-Dr Sedan||$1,364||$682||$114|
|GMC Sierra SLT Crew Cab 2WD||$1,146||$573||$96|
|Honda Accord LX-P 4-Dr Sedan||$1,020||$510||$85|
|Honda CR-V EX 2WD||$974||$487||$81|
|Honda Civic EX 2-Dr Coupe||$1,446||$723||$121|
|Hyundai Elantra Blue 4-Dr Sedan||$986||$493||$82|
|Jeep Wrangler Sahara 4WD 2-Dr||$1,024||$512||$85|
|Nissan Altima 3.5 SR 2-Dr Coupe||$1,572||$786||$131|
|Nissan Rogue S AWD||$1,086||$543||$91|
|Toyota Camry LE||$1,330||$665||$111|
|Toyota Corolla XRS||$970||$485||$81|
|Volkswagen Jetta 2.0T Station Wagon||$1,216||$608||$101|
|Get Your Own Custom Quote Go|
Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Table data does not factor in garaging location in Simpsonville which can raise or lower coverage prices substantially.
Rate increases following a ticket or accident
The illustration below highlights how speeding tickets and at-fault accidents influence Ford F-150 premium costs for each age group. The data assumes a single female driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.
Ford F-150 rates are for example purposes only. To get rates for your specific vehicle, click here.
Get cheaper insurance with discounts
Auto insurance companies don't always advertise their entire list of discounts very clearly, so the following is a list of both the well known and also the lesser-known credits available to lower your premiums when you buy Simpsonville car insurance online.
- Early Renewal Discounts - A few companies offer discounts for buying a new policy prior to your current policy expiring. This can save 10% or more.
- Auto/Life Discount - Some insurance companies give lower insurance rates if you buy some life insurance too.
- Paperwork-free - A few insurance companies will give a small break get Simpsonville car insurance on their website.
- Senior Citizen Discount - Drivers over the age of 55 are able to get a small decrease in premiums.
- Use Seat Belts - Using a seat belt and requiring all passengers to buckle up can save 10% or more off PIP or medical payments premium.
- Auto/Home Discount - When you combine your auto and homeowners insurance and insure them with the same company you could earn a discount of 10% to 20% off each policy.
- Homeowners Savings - Just being a homeowner can help you save on insurance because it demonstrates responsibility.
- Pay Upfront and Save - If you can afford to pay the entire bill instead of paying each month you can actually save on your bill.
Please keep in mind that most credits do not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears all those discounts means the company will pay you, you won't be that lucky.
Companies and some of their more popular discounts are detailed below.
- American Family may offer discounts for mySafetyValet, good driver, defensive driver, TimeAway discount, air bags, and good student.
- State Farm may have discounts that include Drive Safe & Save, accident-free, good student, passive restraint, driver's education, anti-theft, and safe vehicle.
- 21st Century policyholders can earn discounts including good student, student driver, anti-lock brakes, air bags, and driver training.
- Travelers may include discounts for driver training, early quote, save driver, multi-car, and continuous insurance.
- GEICO has discounts for federal employee, anti-theft, driver training, multi-policy, and five-year accident-free.
If you are trying to find cheap Simpsonville car insurance quotes, ask all companies you are considering how you can save money. Some credits may not apply to policyholders in Simpsonville. To see a list of insurance companies who offer free insurance quotes in Simpsonville, click this link.
Components of your car insurance prices
The best way to find cheaper car insurance is to take a look at some of the things that help determine car insurance rates. If you know what positively or negatively impacts your premiums, this enables you to make decisions that could result in big savings. Lots of factors are taken into consideration when pricing auto insurance. A few of the factors are predictable such as your driving record, but other criteria are not as apparent like where you live or your vehicle rating.
Rate your vehicle for proper use - The more you drive your car in a year's time the more you'll pay to insure it. Most companies calculate prices based on their usage. Vehicles that are left in the garage receive lower rates as compared to vehicles used primarily for driving to work. It's a smart idea to ensure your declarations sheet properly reflects the proper vehicle usage, because improper ratings can cost you money.
High performance vehicles cost more to insure - The type of car you need insurance for makes a huge difference in your rates. The best insurance prices will normally be found when insuring the lowest performance passenger models, but the final cost of insurance is determined by many other factors.
Being married can lower premiums - Having a spouse may earn you lower rates when buying car insurance. Having a significant other may mean you are more mature than a single person it has been statistically shown that being married results in fewer claims.
Your employer may affect prices - Occupational choices like doctors, architects and stock brokers generally have higher rates than average attributed to job stress and lots of time spent away from family. Conversely, occupations such as professors, historians and the unemployed have lower than average premiums.
Better drivers pay less - Drivers with clean records tend to pay less for car insurance as compared to those with violations. Just one speeding ticket can boost insurance rates forty percent or more. Drivers who have severe tickets such as DWI, reckless driving or hit and run convictions may be required to complete a SR-22 with the DMV in their state in order to legally drive a vehicle.
Age of drivers - Beginning drivers in South Carolina are statistically shown to be careless and easily distracted in a vehicle so car insurance rates are higher. More mature drivers are proven to be safer behind the wheel, are lower risk to insure, and tend to be get fewer driving tickets.
Decrease rates by maintaining coverage - Having a lapse in insurance coverage can be a guaranteed way to increase your renewal premiums. Not only will you pay more, failure to provide proof of insurance will get you a revoked license or a big fine. You could then be forced to provide proof of insurance in the form of an SR-22 filing with the South Carolina DMV.
Save money with good credit - A driver's credit score will be a significant factor in determining your rates. So if your credit rating could use some work, you could potentially save money when insuring your vehicle if you improve your credit rating. People that have good credit tend to be more responsible and file fewer claims than those with worse credit.
Tailor your insurance coverage to you
When quoting and choosing the best insurance coverage, there isn't really a cookie cutter policy. Your situation is unique and your policy should reflect that. Here are some questions about coverages that might help in determining whether your personal situation would benefit from professional advice.
- Am I better off with higher deductibles on my vehicle?
- Can I still get insurance after a DUI?
- Am I covered if I hit a deer?
- If I drive on a suspended license am I covered?
- Is my custom paint covered by insurance?
- Do I need roadside assistance coverage?
- Is there coverage for injuries to my pets?
If it's difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and may give you better protection.
Ads can be misleading
South Carolina consumers can't avoid all the ads for cheaper car insurance by companies like Allstate and Progressive. All the companies try to convey promises that you'll save big if you switch to their company.
Is it even possible that every company can charge lower premium rates? This is the trick they use.
Companies look for specific characteristics for the driver they prefer to insure. An example of a desirable insured may need to be over the age of 35, is a homeowner, and drives less than 5,000 miles a year. Any driver that meets those criteria will get a cheap rate quote in Simpsonville and will also save money with a new company.
Insureds who fall short of these stringent criteria may be required to pay a higher rate and the prospect going elsewhere. The ad wording is "customers who switch" not "everyone who quotes" save the amount stated. This is how insurance companies can advertise the way they do. That is why drivers must get Simpsonville car insurance quotes as often as possible. Because you cannot predict with any certainty which company will have the best rates for your profile.
Be persistent and save
Cheaper insurance in Simpsonville can be found on the web as well as from insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance providers do not offer rates over the internet and these small insurance companies only sell coverage through independent agents.
When trying to cut insurance costs, it's a bad idea to reduce needed coverages to save money. In many cases, consumers will sacrifice physical damage coverage only to find out they didn't purchase enough coverage. The goal is to buy enough coverage for the lowest price, but don't skip important coverages to save money.
More tips and info about insurance can be read in the articles below:
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- Who Has the Cheapest Car Insurance Quotes for a Chevrolet Equinox in South Carolina? (FAQ)
- Who Has the Cheapest Auto Insurance for Retired Military in South Carolina? (FAQ)
- Five Mistakes to Avoid (Insurance Information Institute)
- Teen Driving and Texting (State Farm)
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
- Avoiding Deer Collisions (Insurance Information Institute)