Average Monthly Insurance Costs:
| Coverage Type | Average Monthly Cost |
|---|---|
| Liability Only | $104 |
| Full Coverage | $184 |
Factors Influencing Insurance Premiums:
- Location: Insurance rates can vary significantly based on your state and even within regions of a state.
- Driving Record: A clean driving history can lead to lower premiums, while past violations or accidents may increase costs.
- Age and Gender: Younger drivers, especially males under 25, often face higher insurance rates due to statistical risk factors.
- Coverage Level: Opting for full coverage, which includes comprehensive and collision insurance, will cost more than minimum liability coverage but offers greater financial protection.
Tips to Potentially Lower Your Premium:
- Compare Quotes: Shop around and obtain quotes from multiple insurance providers to find the best rate for your situation.
- Maintain a Clean Driving Record: Avoid traffic violations and accidents to qualify for safe driver discounts.
- Consider Higher Deductibles: Choosing a higher deductible can lower your premium, but ensure you can afford the out-of-pocket expense in case of a claim.
- Bundle Policies: Many insurers offer discounts if you bundle your auto insurance with other policies, such as homeowners or renters insurance.
- Inquire About Discounts: Ask about available discounts for features like anti-theft devices, safety equipment, or for completing defensive driving courses.
| (Male, Single, 50 years old, Gaffney SC ) |
|---|
| Year/Make Model: 2014 Nissan Altima |
| Ownership Status: Owned |
| Discounts: Paperless, Auto Pay, |
| Selected Coverages with Gainsco |
|---|
| Bodily Injury Liability: $25,000/$50,000 |
| Property Damage Liability: $25,000 Uninsured Motorist Coverage: Rejected |
| Comprehensive and Collision: Rejected |
| Other Rejected Coverages: Roadside Assistance, Towing, Medical Payments |
What do you typically pay in the state of South Carolina for liability only? We had a client with a few tickets that made their rates a bit more than the average driver in SC. For their 2014 Nissan Altima we were able to find him an affordable Liability coverage policy for her 2014 Nissan Altima. We applied a continuous Insurance discount, paperless discount, auto pay, discount for additional savings.
Total 6 Month Premium: $1395
Monthly Installments: $230.80
What We Do at A Plus Insurance
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