Has it been over a year since you last compared quotes for lower-priced insurance rates in Columbia, SC? Columbia shoppers have options when shopping for affordable Scion tC insurance. They can either waste time calling around trying to get quotes or leverage the internet to find the lowest rates. There is a better way to shop for insurance and we'll show you the proper way to compare rates for your Scion and get the best price possible from Columbia insurance agents and online providers.

Insurance quote for Scion tC in ColumbiaIt's astonishing, but a large majority of drivers in South Carolina have stayed with the same insurance company for more than four years, and roughly 40% of drivers have never compared rates from other carriers. American consumers can save almost $860 each year just by comparing rates, but they don't believe the amount of money they would save if they replace their high priced policy.

It's important to get comparison quotes every six months because rates are usually higher with each renewal. If you had the best rate on Scion tC insurance in Columbia a few years ago you can probably find a better price now. You'll find quite a bit of inaccurate information about tC insurance on the web, but we're going to give you some solid techniques on how to buy insurance cheaper in Columbia.

Do you qualify for discounts on Scion tC insurance in Columbia?

Auto insurance is not inexpensive, but there's a good chance there are discounts that may help make it more affordable. A few discounts will automatically apply when you get a quote, but a few need to be inquired about before they will apply.

Discounts save money, but please remember that most discount credits are not given to the entire policy premium. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Despite the appearance that you would end up receiving a 100% discount, company stockholders wouldn't be very happy. But all discounts will definitely reduce your auto insurance premiums.

To see insurance companies with discount auto insurance rates in Columbia, click here to view.

Getting a cheaper price on Scion tC insurance is an easy way to save money. You just have to spend a little time comparing price quotes online with multiple companies.

The companies in the list below are ready to provide quotes in South Carolina. If more than one company is shown, we recommend you get prices from several of them to find the most competitive auto insurance rates.

Scion tC Insurance Cost Estimates in Columbia, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TC 2-Dr Hatchback $140 $372 $482 $28 $144 $1,166 $97
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Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Prices do not factor in specific location which can modify rates substantially.

Should you raise deductibles?

The hardest decision when buying coverage is where to set your physical damage deductibles. The following tables show the costs and benefits of buying low and high comp and collision deductibles. The first set of rates uses a $250 physical damage deductible and the second price table uses a $1,000 deductible.

Scion tC insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TC 2-Dr Hatchback $264 $602 $426 $26 $128 $1,471 $123
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Scion tC insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
TC 2-Dr Hatchback $162 $380 $426 $26 $128 $1,122 $94
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and South Carolina minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Rate quotes do not factor in vehicle garaging location which can impact auto insurance rates substantially.

We can estimate from the data above that using a $250 deductible costs roughly $29 more each month or $348 every year than requesting the higher $1,000 deductible. Since you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you usually have at a minimum 26 months between claims, you would save money by going with a higher deductible.

Safe drivers pay less for auto insurance

The chart below demonstrates how traffic citations and accidents impact Scion tC annual premium costs for each age group. The premiums are based on a single female driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.

Components of Your Scion tC Insurance Rates

A large part of saving on insurance is knowing some of the factors that aid in calculating insurance rates. If you understand what influences your rates, this allows you to make educated decisions that will entitle you to much lower annual insurance costs. Lots of things are part of the equation when you quote your car insurance policy. Some of the criteria are obvious like a motor vehicle report, but some are less apparent such as your marital status or your commute time.

There's no such thing as the perfect insurance policy

When it comes to choosing insurance from an agent or online, there really is no cookie cutter policy. Each situation is unique.

For example, these questions can help discover if your situation might need professional guidance.

If you can't answer these questions but a few of them apply, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form. It's fast, free and can help protect your family.

Shop online but buy locally

Certain consumers still like to talk to an insurance agent and that can be a great decision Most agents can help you build your policy and help file insurance claims. One of the best bonuses of comparing insurance prices online is that you can find lower rates and still choose a local agent.

Upon completion of this short form, your insurance coverage information is immediately sent to companies in Columbia who want to provide quotes and help you find cheaper coverage. You don't have to find an agent on your own since rate quotes are delivered directly to your email. If you need to quote rates from a specific insurance company, you can always navigate to their website and fill out the quote form the provide.

Choosing the best provider needs to be determined by more than just the bottom line cost. Any agent in Columbia should have no problem answering these questions:

Types of car insurance agents in Columbia

If you need to find an insurance agent, it can be helpful to understand the types of agencies to choose from. Auto insurance agencies are considered either exclusive or independent. Either type can insure your vehicles properly, but it is a good idea to know the subtle differences since it could factor into buying decisions.

Exclusive Agents

Exclusive insurance agents generally can only insure with one company and some examples include Farmers Insurance, Allstate, or State Farm. Exclusive agencies are unable to provide other company's prices so you might not find the best rates. They are very knowledgeable on what they offer which helps offset the inability to provide other markets. Consumers often buy from exclusive agents mainly due to loyalty to the company and strong financial ratings.

The following are exclusive agencies in Columbia who may provide you with rate quotes.

More insurance agents

Independent Agents

These type of agents do not write with just one company and that gives them the ability to insure with any number of different companies and find you the best rates. If your agent finds better pricing, they simply move your policy to a different company and you don't have to find a new agent.

If you are comparing rate quotes, we recommend you get insurance quotes from independent agents in order to have the best price comparison. Most also write with smaller companies which may provide better rates.

The following are independent agents in Columbia who can help you get rate quotes.

More insurance agents

After talking to the agent and getting good answers to these questions as well as a price you're happy with, you may have found an auto insurance agent that can be trusted to provide auto insurance coverage.

Protect your Scion vehicle and other assets

Despite the high insurance cost for a Scion tC in Columbia, insuring your vehicle may be mandatory for several reasons.

The benefits of insuring your car definitely exceed the price paid, particularly if you ever have a claim. According to a survey of 1,000 drivers, the average driver overpays more than $700 annually so smart consumers compare quotes at least once a year to make sure the price is not too high.

The most affordable rates come from being thorough

Low-cost Scion tC insurance in Columbia can be found both online in addition to many Columbia insurance agents, so you should compare both so you have a total pricing picture. Some companies may not offer rate quotes online and most of the time these smaller providers only sell through independent agents.

People who switch companies do it for a variety of reasons including delays in paying claims, delays in responding to claim requests, high rates after DUI convictions or unfair underwriting practices. Regardless of your reason for switching companies, switching companies is not as difficult as it may seem.

As you prepare to switch companies, it's very important that you do not reduce needed coverages to save money. There are a lot of situations where an insured dropped full coverage only to discover later that their decision to reduce coverage ended up costing them more. The proper strategy is to buy the best coverage you can find at the best possible price but still have enough coverage for asset protection.

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