Insurance Belton SC Affordable Rates in 2021

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AUTO – SOUTH CAROLINA

Insurance Belton SC

Belton, a slice of the simple life and a handful of hospitality!

Insurance Belton SC- Your Credit and how it affects your insurance premiums

A frequently asked question we get – what does my credit have to do with my insurance? Well, credit plays a factor in any big thing, like financing a vehicle, or qualifying for a home loan. Just like lenders, insurance companies look at your credit score to figure if you are a favorable customer. A person with better credit is more likely to make their payments on time and stay in good standing. Whereas, a person with bad credit may be late, or miss payments.

Credit Impact on Insurance rates in Belton
Average Premium by Score
Excellent$136.53
Good$153.85
Average$185.24
Poor$261.99

Insurance Company Ratings AM Best, and JD Power

Just like going car shopping, or clothes shopping – quality over quantity. You should consider doing your own research on an insurance company if you are looking at starting a policy. Insurance companies are rated by AM Best, and JD Power. It’s basically like an online review for an insurance company. You want to choose a company that has high ratings, which would indicate they have superior customer service, and are helpful in the claims process. Take a look at the chart below to see the ratings of some well known Insurance companies.

COMPANYJ.D. POWER CLAIMSA.M. BEST RATING
Mercury837A
The Hartford (AARP insurance)873A+
Travelers865A++
American Family Insurance857A
State Farm878A++
Auto-Owners Insurance870A+
Esurance844A+
MAPFRE Insurance842A
MetLife867A+
Automobile Club Group857A++
Safeco (A division of Liberty Mutual)855A
COUNTRY Financial896A+
Amica Mutual898A+

Liability Requirements for Insurance Belton SC

Every state has their required liability limits and coverages. In Belton South Carolina, the state minimum required is 25/50/25 and Uninsured Motorist 25/50/25 as well. Some states do not require you carry Uninsured Motorist, and give it as an optional coverage to add to your policy. You can also increase your liability limits for higher coverage. For instance, if you are a home owner, you should consider carrying 100/300/100 for you liability instead of the State Minimum that is required.

StateMinimum Coverage RequirementsAverage Cost for Minimum Liability Coverage
South Carolina25/50/25$537

Violations and how they impact your rates insurance Belton SC

Violations can have a big impact on your auto insurance rates. When it comes to violations, there are major, minor, and nonmoving. Depending on what kind of violation you have, it can stay on your record and impact your rates for more than 5 years. Check out some of the violations and impact they can have on you in the chart below.

Violation NameMajor, Minor, or Non MovingHow Long it Will Affect Your Insurance Rates
Reckless DrivingMajor5 Years
SpeedingMinor3 Years
Failure to Secure Load to truck/trailerMinor3 Years
Driving without a LicenseMajor3 Years
Improper Lane useMinor3 Years
No Proof of insuranceNon MovingNA*
Crossing over a Center DividerMinor3 Years
ParkingNon MovingNA*
Failure to Stop for a Pedestrian Side walkMinor3 Years
Using a Cell Phone with DrivingMinor3 Years
Failure to Use a Seat BeltNon MovingNA*
Failure to YeldMinor3 Years

Sample Car Insurance Rates for insurance Belton SC

Anderson County single female, between the ages of 30-35 with a clean driving record.  Full coverage quote on a 2016 Nissan Versa SV. Discounts applied included: proof of prior insurance, 3 year violation free, 5 year accident free, paperless, and EFT (electronic funds transfer – payment plan). 

Progressive was the most affordable at: $219.40 to start and then monthly payments of $179.72. Coverage included liability limits of 25/50/25, uninsured motorist protection of 25/50/25, $250.00 Comprehensive deductible, $250.00 Collision deductible.  Total cost of insurance is $1093.00 and resulted in a $25.00 per month savings over State Farm.

24 year old female looking for full coverage on a 2012 Nissan Altima in Belton SC.  Coverage options requested is liability set to state minimum of 25/50/25, uninsured motorist at 25/50/25, Comprehensive and collision coverage at a $500.00 deductible, roadside assistance, and rental car reimbursement at a $40 per day option. 

Discounts applied to help make the insurance quote more affordable: 3 year violation free discount, 5 year accident free discount, paperless discount, and some college for education discount. Customer elected to reject under-insured motorist bodily injury and under insured motorist property damage protection to help lower her overall insurance cost. Vehicle used for commuting back and forth to work 10 miles.  Assurance America came in the least expensive at $385.91 to start with payments at $395.82.

47 year old male driver requesting state minimum liability with Comprehensive and Collision coverage on a  financed 2003 Ford F-250 pickup near Belton SC in Anderson County. Assurance America came in the least expensive.  One rated driver, one household member excluded. Policy set up on a low cost initial down payment of $207.87. Then affordable monthly installments auto deducted through insured checking account of $207.87. 

Discounts applied include: safe driver, Coverage options selected: Towing, rental reimbursement, Comprehensive $500 deductible, Collision $500 deductible, state minimum liability limits and uninsured motorist bodily injury with uninsured motorist property damage protection.  Immediate proof of insurance was emailed. Proof was also provided to the dealership to allow customer to drive the truck off the lot. Second lowest carrier was Progressive, and then Dairyland insurance. Medical payment and under-insured motorist bodily injury coverage was offered but not taken.

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Last Updated on February 14, 2022 by Marlon Moss