Having to pay for expensive auto insurance in Columbia can take a big chunk out of your personal savings and force you to cut corners elsewhere.
Shockingly, most auto insurance buyers have been with the same company for a minimum of four years, and just under half have never even shopped around for cheap coverage. Drivers in Columbia can save hundreds of dollars each year by just comparing rate quotes, but they feel it's too difficult to compare rates.
Companies like Allstate and Progressive promote their brand names with fancy advertisements and it is difficult to ignore the promise of big savings and effectively compare rates to find the best deal.
If you currently have car insurance, you will surely be able to find better prices using this information. Choosing the best rates in Columbia can be easy if you know a few tricks. But South Carolina consumers can benefit from knowing the way companies determine what you pay because rates fluctuate considerably.
The easiest way to compare insurance rates in your area is to realize most of the larger companies participate in online systems to give rate comparisons. All consumers are required to do is provide details such as whether or not you need a SR-22, whether you are married, your general credit rating, and if your license is active. That information is automatically sent to many highly-rated insurers and you receive quotes instantly to find the best rate.
To check car insurance prices now, click here and complete the form.
The following companies are ready to provide comparison quotes in South Carolina. If several companies are displayed, we recommend you visit several of them to get the cheapest price.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Outback 2.5I Premium||$330||$546||$460||$28||$138||$1,502||$125|
|Outback 2.5I Limited||$180||$322||$412||$24||$124||$1,062||$89|
|Outback 3.6R Premium||$220||$330||$352||$20||$106||$1,028||$86|
|Outback 3.6R Limited||$332||$524||$342||$20||$102||$1,320||$110|
|Get Your Own Custom Quote Go|
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and South Carolina minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Prices do not factor in specific garaging location which can lower or raise coverage prices considerably.
Comparison of full coverage and liability-only policies
The chart below shows the comparison of Subaru Outback insurance costs with full coverage and liability only. The data is based on no accidents or driving violations, $100 deductibles, single female driver, and no discounts are factored in.
When to drop comp and collision
There is no specific rule to stop paying for physical damage coverage, but there is a general school of thought. If the annual cost of having full coverage is more than 10% of the settlement you would receive from your company, then it's probably a good time to buy liability coverage only.
For example, let's assume your Subaru Outback replacement cost is $8,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, you would only receive $7,000 after paying the physical damage deductible. If premium cost is more than $700 a year for your policy with full coverage, then it could be time to drop full coverage.
There are a few cases where removing full coverage is not recommended. If you still owe a portion of the original loan, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.
Gender-based auto insurance rates by age
The chart below visualizes the comparison of Subaru Outback insurance costs for male and female drivers. The costs are based on no accidents, no driving violations, comp and collision included, $100 deductibles, drivers are not married, and no policy discounts are applied.
Safe drivers Columbia pay cheaper rates
The illustration below demonstrates how speeding tickets and at-fault accidents can increase Subaru Outback car insurance rates for each different age group. The rates are based on a married female driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.
How do I know if I need professional advice?
When it comes to buying insurance from an agent or online for your personal vehicles, there is no one-size-fits-all type of policy. Everyone's situation is unique so your insurance should reflect that For example, these questions could help you determine if your insurance needs could use an agent's help.
- Should I buy only the required South Carolina minimum liability coverage?
- Can my teen driver be rated on a liability-only vehicle?
- Am I getting all the discounts available?
- Is a driver training discount available?
- How high should my uninsured/underinsured coverage be in South Carolina?
- Is my cargo covered for damage or theft?
- Can I make deliveries for my home business?
- Is my nanny covered when driving my vehicle?
- Do I have coverage if my license is suspended?
If you don't know the answers to these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.
What if I want to buy from local Columbia insurance agencies?
A small number of people would rather talk to a local agent and doing so can bring peace of mind One of the best bonuses of getting free rate quotes online is that you can obtain the lowest rates but still work with a licensed agent. Putting coverage with small agencies is important especially in Columbia.
To find an agent, once you fill out this short form, your insurance coverage information gets sent to participating agents in Columbia that can give you free Columbia car insurance quotes for your business. You won't need to contact an agency since price quotes are sent directly to you. You can find the lowest rates without the usual hassles of price shopping. If for some reason you want to compare prices from one company in particular, you just need to visit that company's website and give them your coverage information.
If you want a reliable insurance agency, it's important to understand the different types of agencies and how they work. Insurance agencies are classified as either exclusive agents or independent agents.
Independent Insurance Agents (or Brokers)
Agents that elect to be independent are not limited to a single company and that gives them the ability to insure amongst many companies depending on which coverage is best. To move your coverage to a new company, they simply move your policy to a different company and you won't have to switch agencies. If you need lower rates, you need to get insurance quotes from multiple independent agents for the best price selection.
Shown below is a partial list of independent insurance agents in Columbia that can possibly get you rate quotes.
Nationwide Insurance - Chichester Insurance Agency, Inc.
7340 Parklane Rd a - Columbia, SC 29223 - (803) 786-2224 - View Map
Exclusive Insurance Agents
Agents in the exclusive channel generally can only insure with one company such as Allstate, State Farm and Farmers Insurance. They generally cannot shop your coverage around so they have to upsell other benefits. They receive extensive training in insurance sales which helps them sell insurance even at higher premiums.
Below are exclusive insurance agents in Columbia willing to provide comparison quotes.
Choosing the best car insurance agent needs to be determined by more than just a low price. Here are some questions to ask:
- Does the agent help file claims?
- Which company do they place the most coverage with?
- Do the agents have professional certifications like CPCU or CIC?
- What is the financial rating for the quoted company?
- How are they compensated?
- Is auto insurance their primary focus in Columbia?
- Will a damage claim use OEM or aftermarket replacement parts?
- Are all drivers listed on the coverage quote?