Auto Insurance In South Carolina

Finding the Best Deal on Auto insurance in South Carolina


[put_wpgm id=2]


Every insurance company is an individual business that has control over its own rates and how it factors what its clients will pay, despite there being some general standards that most follow. This includes the fact that most will consider men a higher risk than women, teenagers will usually be charged more than adults and people with clean driving records will get the best deals. Beyond that, there are numerous discounts, programs and bundling offers that a south carolina auto insurance company may, or may not, offer. The only solution for any driver who wants the best price is to check the rates of multiple companies every time they are ready to begin a new policy. click here.

Why Some Companies are Cheaper

Auto insurance in South Carolina can range from surprisingly cheap to ridiculously expensive. While the type of coverage does affect the cost, there can be substantial differences from one company to the next, even for the exact same coverage. Low Cost providers are often smaller, bare-bones companies. They may not have any physical locations or agents that provide one-on-one customer service to their clients. These companies typically exist as online entities and are entirely legitimate, but have no frills or extras.

A nationally known company may seem to be a good choice that would provide the best discounts, but this is not always the case. Smaller, privately owned agencies often match their rates, and frequently even beat them. This is because large corporations have more overhead, including higher advertising expenses, more physical locations to pay for and many more employees.

How Clients Control Some Costs

Every south carolina car insurance company must write policies that include state required minimums. Vehicles with liens on them must also carry full coverage, as opposed to just liability. Other than that, there is a lot the client can do to change the amount they have to pay. Extras like roadside assistance, rental cars and towing packages can increase the cost of a policy. Taking advantage of discounts for seniors, veterans and whatever else may be available can also trim as much as 5-20 percent off the cost of a policy. There are a number of other factors that affect Insurance quotes that drivers can control.

  • Drivers with good credit regularly receive discounts.
  • Married couples are typically given better rates than single clients.
  • A clean driving record will lower insurance costs more than any other factor.
  • Certain companies, professional organizations, and clubs offer discounted plans to their employees or members.
  • Driving fewer miles each year reduces the risk of an accident. Companies typically offer discounts to drivers who put less than the national average of 13,476 miles on their vehicle each year.
  • Drivers with certain occupations are considered safer by the insurance industry. This includes school teachers, accountants, and nurses, among others.
  • Auto insurance in South Carolina will be cheaper for people who drive vehicles with good safety ratings, as well as those that have safety equipment like airbags, anti-lock brakes and theft protection devices installed in their vehicle.

How to Get Better Insurance Rates

When shopping for Auto Coverage in South Carolina, there are some additional tips that can help consumers to find the best price. First, always check with several companies to get the broadest range possible. Do not just look at the bottom line, but make certain that the comparisons are for equal coverage amounts. Talk to someone if their rates seem out of line to see if all discounts are being factored and if there are any others, like a multi-car discount, that has not yet been applied. Look into extras like roadside service and towing to see how much it adds to the policy. In many instances these additional charges are expensive, but in some cases they can be cheaper than paying for an auto club membership. In this instance, by canceling the membership with the auto club, the car insurance can save the customer money.

Common Insurance Myths

A lot of the information people know about insurance companies is true. Insurers will not always cover the full cost of replacing a new vehicle, so purchasing GAP coverage may be needed. Auto insurance also does not necessarily cover lost property stolen from a car. In fact, it usually will not cover this type of loss. While these statements are factual, there are many commonly believed myths about how insurance rates are factored that should be ignored by consumers.

Myth #1: There are safer colors of vehicles

Insurers do not care what color vehicles people drive. Neither their statistics nor any Department of Transportation studies have shown any connection between the color of a vehicle and its accident risk.

Myth #2: Staying loyal to one company saves money

In some instances this may be true, especially if there have been no claims made on the policy. If a claim is made, the policy will almost always go up, no matter how long the driver has been with the company. For many drivers, the discounts many companies offer make it worth shopping around.

Myth #3: Insurance is cheaper on older cars

Insurance rates are not based on the age of a vehicle, but its value, cost to repair and its safety rating. If comparing full coverage on a new vehicle with the minimal coverage on an older automobile, the older one will cost less. However, when comparing policies of equal values there is no guarantee that the age of the vehicle will be a factor that saves money.

Finding Auto insurance in South Carolina does not need to be a time consuming process. It is possible to compare policies easily, and many companies that provide these searches allow drivers to do so without providing a lot of personal information. It is worth the few extra minutes to compare. Recent studies have shown that drivers can save on average approximately $800 a year by shopping around.

Auto Insurance In South Carolina | South Carolina Auto Insurance 

Every day people are shopping for car Insurance in South Carolina.  Some consumers are just starting out while others are trying to lower their current policies.  A Plus is a broker who helps shop for South Carolina auto coverage.  Our primary goal is to find quality auto insurance in South Carolina to fit our client’s needs and budgets.  We offer multiple different South Carolina carriers to choose from.  Our fast and friendly staff is there to help answer questions, run rates, and shop those various insurance companies.  Customers may also visit our website consumer portal to run online insurance quotes day or night.  Finding coverge in South Carolina is easy when using a brokerage.  We gather the basic information needed required to generate a rate, plug it in and run the rates with you right there on the phone.  Most of our carriers have various billing options, so we can choose the best plan that suits your needs.  Our agents look for different discounts such as multi-car, multi-policy, good driver, accident-free, and continuous insurance to help lower the South Carolina car insurance policies.

Car Insurance In South Carolina

A Plus offers different South Carolina car insurance policies from just basic liability to full coverage.  We also have the capability to offer SR22 filings and even named operator policies.  car Insurance in South Carolina is required by the state if you are going to drive on the roads.  We can issue South Carolina auto insurance policies that same day in most circumstances.  We can even send you an email with an electronic copy of an ID card so you have immediate proof of coverage in South Carolina.  Coverage now offered in through Progressive in South Carolina. Give us a call today and let us do the shopping for you.
You can also call us for quotes on home owners Insurance.

A Plus Insurance

119 W woodside Cir

Liberty, SC. 29657

Phone: (864) 372-2334

Review Date
Reviewed Item
Liberty SC Auto Insurance
Author Rating