 ( 38 year old male , Single , South Carolina ) |
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| Year/Make Model: 2009 Scion TC 2 Hatchback |
| Ownership Status: 3+ years |
| Discounts: Automatic Card Payments and Paperless |
| Selected Coverages With Progressive |
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| 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: Medical Payments |
One of our South Carolina clients was in need of the cheapest insurance plan he could find ! He had been shopping around for liability insurance but had no luck so far. As we looked around we found that Progressive came in at the cheapest with a monthly payment of $118! He was able to obtain this rate with discounts such as Automatic Card Payments and Paperless!
Total 6 Month Premium: $708.00
Factors Affecting Insurance Costs:
- Driver’s History: Clean records result in lower premiums, while violations or accidents increase costs.
- Location in South Carolina: Rates may vary based on city or zip code due to traffic density and accident rates.
- Vehicle Usage: Daily commuting or high annual mileage can raise rates.
- Coverage Limits: Opting for limits higher than the state minimum will increase premiums but provide better protection.
Monthly Installments: $118
Ways to Save on Liability-Only Insurance:
- Multi-Vehicle Discounts: Insure multiple vehicles under one policy for savings.
- Bundle Policies: Combine auto insurance with renters or home insurance for discounts.
- Safe Driver Discounts: Maintain a clean driving record for 3–5 years.
- Telematics Programs: Programs like Progressive’s Snapshot or Geico’s DriveEasy can reward safe driving habits.
- Shop Around: Rates vary widely between providers, so comparing multiple quotes is crucial.
Recommended Insurance Providers in South Carolina:
- Progressive: Competitive liability rates, especially for drivers with clean records.
- Dairyland: Good for high-risk drivers or those needing SR-22 filing.
- Geico: Affordable for younger drivers and multi-policy discounts.
- The General: Ideal for drivers with violations or accidents.
- State Farm: Reliable for bundling and consistent customer service.