The words "bargain" and "auto insurance" probably shouldn't be used in the same sentence, specifically when you are shopping around for the lowest insurance rates for nurses. Because it's so expensive, let's teach you a few of the factors that help determine car insurance prices, and find some ways to cut the cost of your next policy.
Figuring out which companies offer the best auto insurance rates for nurses in South Carolina will take more work in order to find coverage that fits your budget. Every insurance company uses their own calculation to determine premium rates, so let's rank the most affordable auto insurance companies in South Carolina.
It's a good idea to be aware that South Carolina auto insurance rates are determined by lots of factors that can increase the price of coverage. Turning one year older, getting married, or getting a few speeding tickets can trigger changes in premium resulting in some rates now being cheaper than before.
Find the Best Cheap Insurance for Health Occupations
|Rank||Company||Cost Per Year|
|5||SC Farm Bureau Mutual||$1,286|
|6||Southern Farm Bureau||$1,298|
|7||National Grange Mutual||$1,335|
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The Hartford quotes some of the lowest car insurance rates in South Carolina at around $752 annually. USAA, Auto-Owners, State Auto, and SC Farm Bureau Mutual are also some of the lowest-priced South Carolina auto insurance companies.
As the rates illustrate above, if you are currently insured with Auto-Owners and switched to The Hartford, you might realize an annual premium reduction of approximately $355. Insureds with State Auto might save as much as $375 a year, and SC Farm Bureau Mutual insureds might realize rate reductions of up to $534 a year.
Be aware that those policy rates are averages for all drivers and vehicles and do not factor in a rate decrease for nurses. So the auto insurance company that is best for you may not even be in the top 18 companies in the list above. That emphasizes why you need to get rate quotes from many companies using your own driver and vehicle profiles.
The make and model of vehicle on the policy is one of the largest factors when comparing the best coverage for nurses. Vehicles with higher performance characteristics, a lack of modern safety features, or a history of substantial liability claims will cost significantly more to insure than safer, lower-performance models.
The list below showcases car insurance prices for the most budget-friendly automobiles to insure.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Honda CR-V EX 2WD||$811|
|Jeep Wrangler Sport 4WD 2-Dr||$839|
|Ford Explorer Eddie Bauer 2WD||$909|
|Toyota Tacoma 2WD||$939|
|Toyota RAV4 2WD||$958|
|Chevrolet Equinox LS AWD||$965|
|GMC Sierra SLE Regular Cab 2WD||$958|
|Chevrolet Impala LTZ||$1,007|
|Honda Odyssey EX-L||$1,015|
|Ford F-150 XLT Regular Cab 2WD||$1,019|
|GMC Sierra 2500HD SLE Crew Cab 4WD||$1,025|
|Nissan Rogue S AWD||$1,027|
|Ford F-350 XL Crew Cab 2WD||$1,043|
|Honda Accord EX 2-Dr Coupe||$1,076|
|Ford Escape Limited 4WD||$1,080|
|Toyota Camry Hybrid||$1,095|
|Chevrolet Silverado LT Extended Cab 4WD||$1,097|
|Toyota Camry XLE||$1,154|
|Hyundai Elantra SE 4-Dr Sedan||$1,164|
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Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Carolina minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Table data does not factor in garaging location in South Carolina which can affect price quotes significantly.
Based upon these rates, you can see that cars like the Honda CR-V, Jeep Wrangler, Toyota Prius, Ford Explorer, and Toyota Tacoma are going to be some of the most budget-friendly vehicles to insure for health professionals.
One of the many factors that help determine the cost of insurance is where you choose to live in South Carolina. Regions with more people or even just more weather-related claims like Goose Creek, Charleston, and North Charleston tend to pay slightly more, whereas areas with less people or fewer weather incidents have the benefit of cheaper auto insurance prices.
The information below sorts the highest-priced places in South Carolina for nurses to buy an auto insurance policy in.
|Rank||City||Average Per Year|
|12||Hilton Head Island||$1,162|
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Prices are estimated as specific South Carolina garaging address can revise auto insurance rates substantially.
The chart below demonstrates how choosing different deductibles can increase or decrease annual premium costs when getting quotes for cheap insurance for nurses in South Carolina. The data is based on a married female driver, full coverage, and no other discounts are factored in.
The data above shows that a 30-year-old driver could lower their policy premium by $270 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $408 by selecting a $1,000 deductible. Young drivers, like the 20-year-old, could save $580 annually just by choosing higher deductibles. If you make the decision to raise deductibles, it is a good idea to have enough savings to allow you to pay the extra out-of-pocket expense that deters many people from opting for higher deductibles.
Get discounts on South Carolina insurance rates
Car insurance companies that offer cheap quotes for nurses could also offer discounts that could potentially reduce rates by 35% or more if you are eligible for them. A list of companies and the discounts they provide are detailed below.
- 21st Century has savings for good student, air bags, homeowners, 55 and older, teen driver, automatic seat belts, and anti-lock brakes.
- Progressive offers discounts including homeowner, online quote discount, good student, continuous coverage, multi-vehicle, and multi-policy.
- State Farm has discounts for Drive Safe & Save, good driver, driver's education, passive restraint, and defensive driving training.
- Nationwide offers premium reductions for business or organization, Farm Bureau membership, family plan, accident-free, easy pay, defensive driving, and anti-theft.
- Esurance may offer discounts for Pac-12 alumni, good driver, paid-in-full, renters, emergency road assistance, multi-policy, and anti-theft.
- The Hartford may include discounts for defensive driver, air bag, anti-theft, driver training, and vehicle fuel type.
The diagram below illustrates the comparison of insurance prices with and without discounts applied to the policy rates. Data assumes a female driver, no claims or violations, South Carolina state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.
The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with vehicle safety, anti-theft, claim-free, defensive driving course, multiple policy, and passive restraint discounts applied. When discounts are factored in, theaverage amount saved on auto insurance for nurses is 28% or $641.
How to find low-cost insurance for nurses in South Carolina
The list below shows some of the better money-saving ideas that can help you buy cheaper car insurance.
- Be a cautious driver
- Good credit can save money
- At-fault accidents will increase rates
- Insure your home and auto with the same company
- Save money by staying claim-free
- Increase your physical damage deductibles
- Shop around for cheaper rates regularly
The last tip is especially critical, as was stressed in the prior article. Auto insurance rates can change considerably in a year, so drivers shouldn't be reluctant to buy a policy from a new company if a more affordable price is available. Many drivers prefer to stick with one company, but it's not a great idea if that devotion results in you overpaying a wad of cash every year. It only takes a couple minutes to compare prices and find cheaper car insurance for nurses.