Anderson SC Car Insurance

Affordable Car Insurance Anderson South Carolina

Anderson South Carolina Car Insurance

Who Has The Cheapest Car Insurance In Anderson SC?

Some of the most competitive auto insurance rates we have seen in South Carolina include, Progressive, Assurance, and Gainsco.

Sample Insurance Rates in Anderson SC

Auto Insurance Rates have many factors. One of them to take into consideration is where you live and your age. Let us look at the chart below for rates in Anderson, South Carolina. We have a 58-year-old male motorist that is insured with Liberty Mutual and he has full coverage, and his rate is $127 and then we got the next one is a 17-year-old young driver that also has full coverage, and his rate is $230. See the rest of the chart to see some more sample rates.

Sample Rates in Anderson, South Carolina
Sample Quote/ policy location: Anderson
Agent :Shawn
Current Company: Liberty Mutual
Previous Company: Diaryland
Who: male Age: 58 Vehicle: Mercury Mariner
Type of coverage: full coverage , uninsured motorist
Notes: rates, young driver
Rate: $127
Sample Quote/ policy location: Anderson
Agent :Amy
Current Company: Allstate
Previous Company: Progressive
Who: Age: 17 Vehicle: Scion tC
Type of coverage: full coverage , state min
Notes: estimate, young driver
Rate: $230
Sample Quote/ policy location: Anderson
Agent :Katie
Current Company: Dairyland
Previous Company: None
Who: Homeowner Age: 17 Vehicle: Volvo 940
Type of coverage: full coverage , sr22
Notes: violations, coverage
Rate: $175
Sample Quote/ policy location: Anderson
Agent :Sy
Current Company: The General
Previous Company: none
Who: Age: 36 Vehicle: Pontiac Torrent
Type of coverage: non owners , uninsured motorist
Notes: Ticket, vehicle
Rate: $163
Sample Quote/ policy location: Anderson
Agent :Amy
Current Company: Bristol West
Previous Company: Nationwide
Who: Age: 60 Vehicle: Buick LaCrosse
Type of coverage: liability insurance , state min
Notes: Ticket, Speeding
Rate: $174
Sample Quote/ policy location: Anderson
Agent :Jola
Current Company: Progressive
Previous Company: None
Who: resident Age: 59 Vehicle: Nissan NX
Type of coverage: broad form , med pay
Notes: now, policies
Rate: $196

What Are The Liability Requirements For Anderson?

StateMinimum Coverage RequirementsAverage Cost for Minimum Liability Coverage
South Carolina25/50/25$537
If you are a motorist in Anderson, SC then you are required to have 25/50/25 on all registered vehicles. $25,000 for property damage for each accident, for bodily injury $25,000 per person and $50,000 for each accident, uninsured motorist bodily injury is $25,000 and $50,000 per accident and for uninsured motorist property damage is $25,000 per accident and a $200 deductible is required. As the chart below shows that the coverage cost of liability is around $537.00.

Liability And Full Coverage In Anderson

For motorists in Anderson, SC here are the following insurance requirements. Minimum coverage for liability is 25/50/25. This means $25,000 per person injured in an accident, $50,000 in claims for a single accident, and $25,000 in property damage. The average cost for minimum liability coverage for the state is $537. In Anderson, the average is $471. For full coverage, the averages are $934.59 for SC, but for Anderson it is $863.57. While these are averages age, driving history, and the types of vehicles are what will move the overall totals either up or down.

Liability Insurance Rates in AndersonLiability State SC Average
Full Coverage Insurance in AndersonFull Coverage SC average

Why Are Insurance Rates So High In South Carolina?

Insurance rates are high in South Carolina based on a few factors. First, part of the mandatory insurance limits for auto insurance include uninsured motorist protection in addition to the liability limits of 25/50/25. Second, South Carolina has seen a sharp increase of car accidents related injuries and deaths which increase the amount paid out in claims within the South Carolina borders.

Anderson Rating Factors And How They Impact Your Rates

FactorRate Impact
Credit historyHigh
Anual MileageLow
Insurance HistoryMedium
Vehicle Make and ModelMedium
How long have you owned the vehicleLow
vehicle performance (symbol)Medium
Major Violations (DUI,DWI,etc)High
To get an accurate insurance quote, there are quite several factors that are taken into consideration. These factors can have a high affect or little to no affect on your insurance rates. If you check out the list below, we put together some of the factors and how much of an affect it has on your rates.

Cheap Car Insurance In Anderson, SC

Did you know in Anderson South Carolina it is a requirement that drivers carry at least the state minimum in auto insurance liability coverage? State minimum insurance coverage means you must have basic liability coverage as well as uninsured motorist insurance. Anderson South Carolina is a growing city and you cannot surf the internet without being overwhelmed by advertisements for auto insurance. There are so many different insurance options being thrown at you that picking the right agent can be difficult. Wouldn’t you like a much simpler way to get insurance???

Big name insurance carriers tend to focus on giving minimum coverage as well as minimal service. They make it hard to trust a national chain with big business concerns instead of customer care. You should consider placing your business with an independent,  insurance agent. Independent agents do not work for just a single carrier; they have multiple carriers to place business with. With more options, they can concentrate on helping customers get excellent value across the board. Are you in the Military? Ask for a Discount…

Value in Car Insurance

William Whitner took great risks to produce a way for electricity to travel through wires to mills using hydroelectric power. Making Anderson the first city in the United States to have a continuous supply of electric power and the first cotton gin in the world operated by electricity.

Insurance rates are based certain risk factors, and this means that responsible drivers and automobile owners are more likely to find affordable premiums than those that insurance companies recognize as undesirable or careless. A typical indicator of a responsible motorist is the amount of insurance coverage that individual carries. In fact, some full coverage options are more affordable for certain customers than available bare-bones policies.

Anderson, South Carolina Auto Policy Options

Many independent agents offer a comprehensive range of auto insurance coverage options, from affordable solutions only covering the legal minimums to full coverage products that include rental reimbursement and roadside assistance. Some of the most popular policy options are:
• Collision insurance pays after your deductible for damages to your car caused by an auto accident.

Comprehensive Insurance

  • Comprehensive insurance pays after your deductible for non-crash-related damages following a covered loss.
    • Medical payments coverage pays for medical treatment due to accident-related injuries.
    • Towing and roadside assistance offers help in the event of a breakdown or debilitating car crash.

Driving on interstate 85 with all of the current construction can create crazy driving hazards! Be careful! Moving to Spartanburg? Call us to get a Quote. One of the many factors that go into an insurance quote is your actual Zip Code such as 29301, 29045, or 80911

Auto Insurance Discounts

When it comes to auto insurance rates for drivers in Anderson, there are many factors that companies use that you cannot change. For example, rates may be higher for a younger driver than a driver over the age of twenty-five.

While you cannot change your age, there are some things that you can do to lower your insurance rates. They are:
Safety First drivers with a clean driving record often pay lower rates than those with accidents or tickets.
Back to School– many companies will offer a discount to those who complete a driver safety course.
Bundling– insurance companies offer generous discounts to customers that have multiple policies with them, for example, an auto policy + home or renter’s policy.
Do Your Homework– believe it or not, the type of car and even the color can affect your insurance rates. Choosing a car that the insurance companies deem safe could save you big.

However, be careful when trying to save on premium that you are not skimping on coverage. Cutting coverage up front could cost you more at claim time. Call us today to review your auto insurance coverage.

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Last Updated on October 13, 2021 by Shawn Christie

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