State Minimum Liability Requirements:
- South Carolina:
- Bodily Injury Liability: $25,000 per person / $50,000 per accident
- Property Damage Liability: $25,000 per accident
- North Carolina:
- Bodily Injury Liability: $30,000 per person / $60,000 per accident
- Property Damage Liability: $25,000 per accident
Average Monthly Premiums:
- Greenville, SC:
- Liability Coverage: Approximately $164 per month
- Full Coverage: Approximately $254 per month
- Greenville, NC:
- Liability Coverage: Approximately $62 per month
- Full Coverage: Approximately $92 per month
Factors Influencing Premiums:
- Driving Record: Accidents or violations can increase rates.
- Age and Gender: Younger drivers and males may face higher premiums.
- Vehicle Type: Luxury or high-performance cars can cost more to insure.
- Credit Score: In some states, a lower credit score can lead to higher premiums.
 ( 32 year old male , Single, Greenville ) |
|---|
| Year/Make Model: 2016 Nissan Altima Sedan |
| Ownership Status: 2+ years |
| Discounts: Multi-Policy, Home Owner, Continuous Insurance |
| Selected Coverages With Progressive |
|---|
| Bodily Injury Liability: $25,000 each person/ $50,000 each accident |
| Property Damage Liability: $25,000 each accident |
| Uninsured Motorist Bodily Injury: $25,000 each person/ $50,000 each accident Comprehensive: N/A Collision: N/A |
| Other Rejected Coverages: Underinsured Motorist Bodily Injury |
One of our Greenville clients was in need of the cheapest liability insurance premium he could obtain! He previously had State Farm but wanted to shop around for a different carrier due to his premium going up. As we looked around we found that Progressive came in at the cheapest with a monthly premium of $128.66. He was able to obtain this premium with discounts like Multi-Policy, Home Owner, and Continuous Insurance!
Total 6 Month Premium: $772
Monthly Installments: $128.66
Tips for Reducing Premiums:
- Maintain a Clean Driving Record: Avoid accidents and traffic violations.
- Bundle Policies: Combine auto with home or renters insurance for discounts.
- Shop Around: Compare quotes from multiple insurers to find the best rate.
- Consider Higher Deductibles: This can lower your premium but increases out-of-pocket costs in an accident.
Next Steps:
To find the best rates and coverage options, consider reaching out to local insurance agents or using online comparison tools. Ensure that any policy you choose meets or exceeds state minimum requirements and provides adequate protection for your needs.
What We Do at A Plus Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
