Searching for low-cost insurance for your car in South Carolina could be a lot of work, but you can follow these tips to save time.

There is a right way and a wrong way to compare car insurance rates so we're going to tell you the absolute fastest way to compare rates for a and find the cheapest rates.

Pricing the best coverage in Sumter is easy to do. If you have a current auto insurance policy or need a new policy, take advantage of these tips to find better prices without sacrificing coverage. Shoppers only need to know the quickest way to get comparison rates on the web.

Discounts can help save money on insurance

Insuring your fleet can be pricey, but there could be available discounts that can drop the cost substantially. A few discounts will automatically apply when you complete an application, but once in a while a discount must be asked for prior to getting the savings.Save money with discounts

One last thing about discounts, most discounts do not apply to all coverage premiums. Most only reduce individual premiums such as medical payments or collision. So when it seems like you would end up receiving a 100% discount, you aren't that lucky.

A few popular companies and the discounts they provide can be found below.

Double check with each company or agent which discounts can lower your rates. A few discounts might not apply in Sumter. To see companies offering insurance discounts in Sumter, follow this link.

The companies shown below are our best choices to provide price quotes in Sumter, SC. If multiple companies are shown, it's highly recommended you visit several of them to get a more complete price comparison.

Insurance Costs for Popular Vehicles in Sumter
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Crew Cab 4WD $1,054 $527 $88
Chevrolet Malibu LTZ $1,236 $618 $103
Chevrolet Silverado LTZ Extended Cab 2WD $1,234 $617 $103
Dodge Grand Caravan SE $1,268 $634 $106
Dodge Ram Quad Cab Laramie 2WD $1,418 $709 $118
Ford Escape Limited 2WD $1,154 $577 $96
Ford F-150 XL Regular Cab 4WD $770 $385 $64
Ford Focus SES 4-Dr Sedan $1,242 $621 $104
GMC Sierra SL Extended Cab 2WD $1,208 $604 $101
Honda Accord LX-P 4-Dr Sedan $1,020 $510 $85
Honda CR-V EX 4WD $1,154 $577 $96
Honda Civic LX 4-Dr Sedan $1,208 $604 $101
Honda Odyssey EX-L W/Navigation $1,562 $781 $130
Jeep Grand Cherokee SRT-8 4WD $1,148 $574 $96
Mazda 3 S Sport 4-Dr Hatchback $1,320 $660 $110
Nissan Altima 2.5 S 2-Dr Coupe $1,338 $669 $112
Toyota Camry SE $1,212 $606 $101
Toyota Corolla LE $1,432 $716 $119
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Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and South Carolina minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Information does not factor in specific zip code location which can decrease or increase insurance rates noticeably.

Policy deductibles

One of the hardest decisions when shopping for auto insurance is how low should you set your deductibles. The comparisons below highlight the rate fluctuation between high and low coverage deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second set of prices uses a $500 deductible.

Hyundai Elantra rates are for example purposes only. To get rates for your specific vehicle, click here.

Hyundai Elantra insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $230 $366 $290 $18 $86 $1,015 $85
Elantra Blue 4-Dr Sedan $230 $524 $342 $20 $102 $1,243 $104
Elantra GLS 4-Dr Sedan $264 $524 $342 $20 $102 $1,277 $106
Elantra SE 4-Dr Sedan $264 $524 $342 $20 $102 $1,277 $106
Elantra SE Touring Station Wagon $264 $444 $290 $18 $86 $1,127 $94
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Hyundai Elantra insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $186 $294 $290 $18 $86 $874 $73
Elantra Blue 4-Dr Sedan $186 $422 $342 $20 $102 $1,072 $89
Elantra GLS 4-Dr Sedan $214 $422 $342 $20 $102 $1,100 $92
Elantra SE 4-Dr Sedan $214 $422 $342 $20 $102 $1,100 $92
Elantra SE Touring Station Wagon $214 $358 $290 $18 $86 $966 $81
Get a Quote for Your Vehicle Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and South Carolina minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Rate quotes do not factor in Sumter location which can impact rates noticeably.

We can estimate from the data above that using a $250 deductible could cost the average driver approximately $14 more each month or $168 every year than quoting the higher $500 deductible. Since the policyholder would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 18 months between claim filings, you would save more money by going with a higher deductible.

You are unique and your auto insurance should be too

When quoting and comparing your policy, there really is not a one size fits all plan. Your needs are not the same as everyone else's and your policy should reflect that.Drive safe and save Here are some questions about coverages that may help highlight if you could use an agent's help.

If you don't know the answers to these questions, you might consider talking to an insurance agent. If you don't have a local agent, simply complete this short form or go to this page to view a list of companies. It's fast, doesn't cost anything and may give you better protection.

Exclusive and independent insurance agents

Some people still like to visit with an insurance agent and that is a personal choice. Professional insurance agents can help determine the best coverages and help in the event of a claim. A good thing about comparing auto insurance online is that you can find cheap rate quotes but also keep your business local. And providing support for local agents is important especially in Sumter.

Find insurance agent in SumterBy using this form (opens in new window), your coverage information is instantly submitted to insurance agents in Sumter who can give free rate quotes to get your business. It makes it easy because there is no need to leave your computer due to the fact that quote results will go to you instantly. If you want to get a comparison quote from a particular provider, don't hesitate to search and find their rate quote page and give them your coverage information.

If you need to find a reliable agent, there are two different agency structures and how they differ in how they can insure your vehicles. Agencies in Sumter can be classified as either exclusive or independent. Either one can insure your vehicles, but it's good to learn the difference in the companies they write for because it may have an impact on your selection of an agent.

Independent Auto Insurance Agencies

These agents are not required to write business for one company so as a result can place your coverage through many companies depending on which coverage is best. If they find a cheaper price, your agent can switch companies and you won't have to switch agencies.

If you are trying to find cheaper rates, you definitely need to include rate quotes from multiple independent agents for the best price selection. Most have the option of insuring with companies you've never heard of that can offer cheaper rates than bigger companies.

Exclusive Auto Insurance Agencies

Agents that elect to be exclusive work for only one company like State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents cannot provide prices from multiple companies so you need to shop around if the rates are high. Exclusive insurance agents are very knowledgeable on their company's products which helps offset the inability to provide other markets. Consumers sometimes use the same agent primarily because of loyalty to the company and the convenience of having all coverages with one company.

Finding the right insurance agent requires you to look at more than just a cheap price quote. These questions are important to ask:

After you get positive responses to these questions as well as a price you're happy with, you may have found an insurance agent that can be relied on to properly insure your vehicles. Just understand that it's your policy and you can terminate your policy whenever you wish so don't assume that you are obligated to a policy with no way out.

Auto insurance overall losses by make and model

Are you driving a vehicle that ranks high in claims? The following claim statistics show the best and worst vehicle models for the probability of having large claims for each type of coverage listed.

Lowest and Highest Collision Claims by Vehicle
Lowest Claims Highest Claims
Jeep Wrangler Audi RS7
Ford F-250 SuperCab Bentley Continental Flying Spur
Ford Edge BMW M6
Smart ForTwo Ferrari 458
Ford F-150 SuperCrew Nissan GT-R
Chevrolet Colorado Maserati Ghibli

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Medical Payment Insurance Claims by Vehicle Model
Lowest Claims Highest Claims
Ford F-250 SuperCrew Kia Forte
Ford Expedition Chevrolet Sonic
Ford F-350 SuperCrew Chrysler 200
Chevrolet Silverado 2500 Mitsubishi Mirage
Audi A4 Allroad Chevrolet Spark
Chevrolet Silverado 3500 Mitsubishi Lancer

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Liability Insurance Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Volvo XC60 Mitsubishi Mirage
Audi A6 Chevrolet Cruze
Mercedes-Benz SL Class Chevrolet Impala
Subaru Forester Hyndai Accent
Subaru Outback Chevrolet Sonic
Fiat 500 Chrysler 200

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Vehicle Make and Models with the Lowest and Highest Comprehensive Coverage Claims
Lowest Claims Highest Claims
Ford F-350 Mercedes-Benz S Class
Nissan Xterra Bentley Continental GT
Nissan Leaf Maserati Quattroporte
GMC Sierra 2500 Audi S7
Volvo V60 BMW M6
Chevy Silverado 2500 Porsche Panamera GTS

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

The best insurance company isn't always the cheapest

When buying insurance coverage, it's not a good idea to buy poor coverage just to save money. There have been many cases where consumers will sacrifice physical damage coverage to discover at claim time that the small savings ended up costing them much more. The ultimate goal is to buy the best coverage you can find for the lowest cost while still protecting your assets.

We just presented a lot of information how to lower your auto insurance premium rates in Sumter. It's most important to understand that the more companies you get prices for, the more likely it is that you will get a better rate. Consumers may even find the lowest priced auto insurance comes from a smaller regional carrier. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm or Progressive.

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