- Cheap Car Insurance In SC: Your Greenville Guide to Auto Rates
- Cheap Car Insurance SC: Your Greenville Guide to Auto Rates
- Your Credit And How It Affects Your Insurance Premiums
- Greenville SC Nearby Cities And Neighborhoods
- How Auto Violations Impact Your Rates Greenville South Carolina Insurance
- How Age And Gender Affect Your Insurance Rates
- How Age And Gender Affect Your Insurance Rates
- Finding High Quality, Affordable Insurance Coverage
- Insurance Discounts In Greenville SC
- DO YOU NEED SR-22 IN GREENVILLE SOUTH CAROLINA?
- What is SR-22 Insurance In Greenville South Carolina?
- How long must I carry SR-22 in Greenville South Carolina?
- Sample Rates
- Let Our Agents Get You The Best Quote for the Lowest Rates
- INSURANCE SERVICES WE OFFER
Your Credit And How It Affects Your Insurance Premiums
People often wonder if and how credit scores affect auto insurance rates. If you didn’t know by now, yes credit can affect your premiums.
If you have a poor credit score or an unsavory insurance history (lack of making payments, lapses in insurance, etc.) the insurer will see you as more of a financial risk. Therefore you will likely be asked to pay a higher down payment with subsequent higher payments.
As shown in the chart below, the monthly payment almost doubles if you have poor credit as opposed to excellent credit.
| Credit Score | Avg. Insurance Price |
|---|---|
| Excellent | $111.00 |
| Good | $125.08 |
| Average | $150.60 |
| Poor | $213.00 |
Greenville SC Nearby Cities And Neighborhoods
Does zip code affect car insurance? Yes it does! If you find yourself moving from one zip code to another, you might experience a jump or possibly a decline in your car insurance rates.
This is because certain zip codes or cities will have higher risks than another. For instance, if there are higher reports of auto theft, claims, or weather related catastrophes, this will lead to higher auto rates. It might seem unfair since where you live is often out of your control, but thankfully insurance companies have plenty of discount opportunities that can offset those issues.
In the meantime, enjoy where you live!
Greenville, SC is a great place to live and is popular for so many things! It’s a tourist hot spot! Greenville has so many things to do. Awesome places to get food and drinks and of course the main attraction is Downtown Greenville where you can see the Falls.
If Greenville is not enough, you can check out some of the cities nearby and enjoy some good things there as well.
Some of the popular ones are Spartanburg, Florence, Rock Hill, and Columbia. Any town you choose nearby will have exciting things for you to check out!
| Zip Codes in Greenville |
|---|
| 29601 |
| 29611 |
| 29605 |
| 29607 |
| SC Neighborhoods |
|---|
| Nicholtown |
| Southernside |
| Arcadia Hills |
| Park Place |
| Cities Near Greenville |
|---|
| Spartanburg, SC |
| Florence, SC |
| Rockhill, SC |
| Columbia, SC |
How Auto Violations Impact Your Rates Greenville South Carolina Insurance
What violations affect insurance? This is a tricky question to answer, as different insurance companies set different criteria as far as how much a certain violation will affect your premium, whether it be for speeding, broken tail lights, expired tag, running a red light and more.
However it’s safe to say that most moving violations, as opposed to non moving violations, will affect your auto insurance rate.
Another commonly asked question is how long these violations or tickets stay on your driving history. In most states and most insurance companies the answer is 3 years.
The data shown below shows some of the major, minor, and non moving violations or tickets you can get in Greenville South Carolina. The worst violation is driving without a license.
| Violation Type | Major, Minor, or Non Moving | How Long it Will Affect Your Insurance Rates |
|---|---|---|
| Speeding | Minor | 3 Years |
| Improper Lane use | Minor | 3 Years |
| Using a Cell Phone with Driving | Minor | 3 Years |
| Crossing over a Center Divider | Minor | 3 Years |
| Failure to maintain Clear Distance (tailgating | Minor | 3 Years |
| Failure to Use Turn Signal | Minor | 3 Years |
| Running a Traffic Light or Stop Sign | Minor | 3 Years |
| Driving without a License | Major | 3 Years |
| Failure to Use a Seat Belt | Non Moving | NA* |
| No Proof of insurance | Non Moving | NA* |
| Failure to Yield | Minor | 3 Years |
| Parking | Non Moving | NA* |
How Age And Gender Affect Your Insurance Rates
Many things like violations, age, gender etc can affect your auto insurance rates, but one of the main factors is your credit score. Your insurance carrier is going to look at your score and that could determine your rate with them. Let us check out this chart below to see what the average cost is in Greenville, SC by your credit score. For an excellent score, your rate could look at about $134.31 and for a poor score you could be looking at $257.73. See the chart for the rates for in between.
How Age And Gender Affect Your Insurance Rates
| Age | Male | Female |
|---|---|---|
| 16-18 | $ 231.84 | $ 184.09 |
| 19-24 | $ 193.20 | $ 161.00 |
| 25-30 | $ 139.84 | $ 124.84 |
| 31-40 | $ 110.40 | $ 106.08 |
| 41-50 | $ 109.48 | $ 98.44 |
| 50-65 | $ 99.36 | $ 101.48 |
| 65+ | $ 106.08 | $ 114.08 |
In South Carolina as well as every other state in the nation, buying auto insurance is a must for those who own and operate a vehicle. There is no way around it. If a driver wants to be in compliance with the law, purchasing a car insurance policy is a non-negotiable move. Not only is proof of coverage required when a vehicle is registered in South Carolina, but those who are unable to furnish proof of coverage to a law enforcement officer may face fines, citations, license suspension, and even jail time.
Finding High Quality, Affordable Insurance Coverage
Unfortunately, with insurers having to deal with more and more claims every day, the price of vehicle coverage has risen, and it can sometimes be difficult for consumers to find coverage rates that work with their monthly budget. The good news is that there are some things that drivers can do to score Cheap Car Insurance for themselves while still being able to get a high-quality policy from their insurer. Read on to discover just a few tips for finding coverage that is both adequate and affordable.
Consumers may not realize that there are some factors that go into determining their car insurance rates. Unfortunately, some of these factors are outside of their control, as consumers cannot change their age and do not have the power to change a poor driving record they garnered in the past.
However, there are a few factors that drivers do have control over. If you keep in mind the following to help lower your risk of having to file a claim you may be rewarded with cheap auto rates. Here’s a brief rundown of some of the changes that consumers can make that may bring them lower rates:
Reasonable Car insurance in Greenville, SC
In addition to making lifestyle compromises, it’s also important that drivers seek out every possible discount that is available to them. For example, many insurers extend multi-policy discounts to drivers who insure their home with the same company. Consumers may also be able to obtain automobile insurance in SC at a reasonable price by taking driver safety classes, making sure the vehicle has a high-quality Anti-theft system, and even for maintaining good grades and a clean driving record.
Independent agents are priceless when it comes to finding Car Insurance in Alaska, Arizona, Colorado, Georgia, Michigan, Missouri, Ohio, Anderson South Carolina, Texas, Utah, Virginia, and Wisconsin. First, they often have the ability to help drivers compare quotes for the same coverage in the span of a few minutes.
They can also advise drivers about avoiding unnecessary coverages that may drive their rates up and help them search for policy discounts they may qualify for.
Finding coverage can sometimes be a challenge, but it doesn’t have to be. Following these tips as well as taking the time to select a knowledgeable and experienced independent insurance agent will get drivers quite far in their quest for cheap auto rates. With a little help, drivers in South Carolina will be able to obtain the policy they need at a price that works best for their financial situation. We will do our best to provide you with the best customer service while saving you money on your policies
Insurance Discounts In Greenville SC
Many times a day we hear people saying, ” I need cheap car insurance.” Well, we are here to help! One of the best ways to find low priced auto coverage is to use an insurance broker. A broker represents several different companies so you can easily compare multiple companies with one agent to locate the one who best suits your needs for vehicle insurance.
Affordable auto coverage in SC doesn’t mean that you have to forgo quality. At A Plus, we take the time to discuss with you the different options you have in regards to your coverage, so you understand your policy and what it covers. When searching for vehicle coverage online you will find the option to do an online quote on our website, or you can give us a call and speak with a licensed representative. Some of the discounts you can strive for to lower your policy cost is to avoid tickets and accidents.
Insuring multiple vehicles under one policy is another popular discount for people looking for auto coverage in South Carolina. For the teenage drivers, good student discount helps out tremendously. Another substantial discount for those consumers looking to find cheap auto coverage is to have a continuous coverage discount. Renewal time is a great time to shop for new rates. By shopping your insurance with multiple companies and applying as many discounts as possible.
Tips to Get the Best Deal:
Drive Safe
Keep Up On Maintenance
Protect Your Vehicle from the Elements
Bundle Coverage
Get Regular Tune Ups
DO YOU NEED SR-22 IN GREENVILLE SOUTH CAROLINA?
This guide is for you. Sr22 (sometimes referred to as a certificate of insurance or a financial responsibility filing) is a vehicle liability insurance document required by most state Department of Motor Vehicles (DMV) offices for “high-risk” insurance policies.
What is SR-22 Insurance In Greenville South Carolina?
The Sr22 is a form required by the Department of Motor Vehicles when a driver has a DUI offense reported. The form (very similar to the SR1 form which is used to report traffic accidents) is filed by your insurance company showing that you have obtained coverage through them. The SR22 is a proof of financial responsibility that the DMV requires after such traffic incidents. (Most insurance providers require a minor fee of $15 to $25 for filing the SR22.)
In the event of a DUI, the South Carolina Department of Motor Vehicles will not reissue your driver’s license without an SR22 Form. That means that you cannot only bring your policy number and valid ID to the DMV to have your license returned to you. You also cannot fill in the SR22 by yourself. Your SR22 must be filled out and filed by your insurance provider.
If your previous carrier has dropped you because of your accident, you must then find insurance with SR22 coverage to regain your driver’s license. Once you have found your new insurance provider, your insurance provider will submit the SR22 form to the Department of Motor Vehicles, allowing you to regain your license.
How long must I carry SR-22 in Greenville South Carolina?
Typically, Greenville South Carolina SR-22 Insurance must be carried for three years from the time that your driver’s license is re-issued. That means that once you have completed the 4-month suspension of driving privileges, you then must carry South Carolina SR 22 insurance for three full calendar years (July 2010 to July 2013, for example).
During the four-month suspension period, you may be able to receive a restricted license which will allow you to drive to and from your place of employment. Ask your agent about the procedure for this.
If before your DUI you were seen as a “good driver” by your insurance provider, it will take you a full ten years to regain that status. For example, if you received a DUI in August of 2010, your DMV record will continue to show your DUI until August of 2020. Because of a recent law, when you apply for insurance, your auto insurance carrier will have access to your DMV records, so changing carriers will not change your status.
Once you have cleared this ten year period, as long as you do not have further incidents, you will be eligible to return to “good driver” status.
Some drivers falsely believe that the non-owner SR22 Insurance offers a loophole in the Greenville South Carolina SR22 insurance requirement. This is not a solution, however. Even though you may sometimes be required to carry non-owner SR-22 insurance coverage to retain a license, this is usually only a minimum requirement.
When you get the certificate, you will then be able to get the correct policy based on what the terms of the certificate are. At this point, it will be submitted to the DMV to remove the suspension of your license. If any of the correct steps are not followed, you would be driving with a suspended license. This which are grounds for serious legal repercussions including additional fines, license suspension, revocation and possibly imprisonment.
If you own your vehicle or drive the car of someone in your household (for example, your spouse’s vehicle) or if you are provided a vehicle you use frequently (for example, by your employer), non-owner Greenville South Carolina SR22 insurance will not cover you. Non-owner SR-22 insurance coverage will only cover a driver while they are using a third-party vehicle that they do not habitually use and that is not part of the driver’s household.
In fact, even when you are driving the appropriate vehicle, non-owner SR-22 insurance will only cover damage you do to other persons, vehicles, and property—not any damage or injury that may occur to you or the vehicle you are driving. Furthermore, this kind of insurance will only cover damage up to the amount specified in the policy.
Sample Rates
Let Our Agents Get You The Best Quote for the Lowest Rates
To determine your rates, your agent will ask you questions such as the drivers such as age, driving record, and claim history. Your agent will also ask about your cars garaging location, vehicle make, and model. Then your agent will ask about the age of the car and use the automobile.
Other pertinent information will be collected to determine which additional discounts you may be eligible for. This information will be used to determine which car insurance company will offer you the best rates.
INSURANCE SERVICES WE OFFER
Homeowners Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
Mailing Address and Contact Information
A Plus Insurance
220 N Main Street #500
Greenville, SC 29601
(864) 671-0400