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Simpsonville Insurance: Cheapest Car Insurance With Bad credit, poor credit

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Typically anything lower than 601 is considered bad credit

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Generally, when you have bad credit or a poor insurance score your auto insurance rates will be affected. Each company will be affected differently. Below are some examples of how bad credit can affect your rates.

Carrier	Average Cost
National General	$150
Dairyland	$155
Nationwide	$155
AssuranceAmerica	$166
Bristol West	$166
Mendota Ins. Company	$172
GAINSCO	$176
Geico	$178
Acceptance RTR	$180
The General	$189

Simpsonville Insurance: Cheapest Car Insurance With Good credit

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Typically anything higher than 670 is considered good credit

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Just like bad credit can affect your rates, good credit can also be a factor as well. Having good credit is one of the many factors or even discounts that help keep your insurance rates low. Below are some good examples of how each company affects your auto insurance rates.

Car Insurance Company	Average Cost
Progressive Insurance	$136
Dairyland	$139
Mendota Ins. Company	$142
AssuranceAmerica	$143
Acceptance RTR	$146
21st Century	$149
The General	$150
GAINSCO	$153
Nationwide	$154
Geico	$156
Bristol West	$157
Travelers	$161
State Farm	$162
Liberty Mutual	$166
National General	$170

Simpsonville Insurance: Cheapest Car Insurance With Bundle / Homeowners Discount

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Bundling: Purchasing multiple insurance polices from one company

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Our primary carriers offer bundling discounts when you purchase your home and auto insurance together. Even a select few offer the discount when you have your auto insurance within the agency but not the same company. These types of discounts can help you have a huge savings in your pocket annually.

Carriers	Average Cost
Acceptance RTR	$133
National General	$135
Bristol West	$141
Nationwide	$143
Dairyland	$145
Geico	$151
Mendota Ins. Company	$151
GAINSCO	$153
The General	$156
Progressive Insurance	$158
AssuranceAmerica	$159
21st Century	$165
American Family	$173
USAA	$177
State Auto	$178

Simpsonville Insurance: Cheapest Liability Only Auto Insurance

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South Carolina State Liability Minimum Requirements: 25/50/25

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Every state has their own requirements when it comes to state minimum liability. Here in Simpsonville, South Carolina the liability limits that are required are $25,000 per person, $50,000 each accident and $25,000 for the property damage. Our state also requires that we have the Uninsured Motorist as well with the limits of $25,000 per person, $50,000 each accident. Below are some companies that offer low, affordable rates.

Car Insurance Company	Average Cost
Geico	$87
Progressive Insurance	$88
National General	$91
Acceptance RTR	$92
AssuranceAmerica	$98
Dairyland	$102
Mendota Ins. Company	$104
The General	$104
USAA	$110
Nationwide	$114
Safeco	$116
Bristol West	$120
American Family	$123
State Farm	$129
21st Century	$130

Simpsonville Insurance: Cheapest liability auto insurance For Young Drivers

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Statistics show that the younger you are, the more you will pay for auto insurance

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Being a young driver never really comes with the experience of driving just yet, which tends to make auto insurance rates higher for those individuals. Finding cheap auto insurance rates can be difficult when you’re young. Just give us a call to shop multiple companies at once for you! Below are many of the companies we do carry that offer decent rates.

Car Insurance Company	Average Cost
Mendota Ins. Company	$147
Dairyland	$151
National General	$153
Progressive Insurance	$153
Bristol West	$154
21st Century	$157

Simpsonville Insurance: Best Car Insurance For Male Drivers

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Statistics show men account for 68 to 70% of car accidents

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Not in all cases do males have to pay higher auto insurance rates, but some companies do use that as one of the rating factors. When shopping around for auto insurance it is best to compare multiple companies, so you are not limited to just one price. Below are some average costs of auto insurance between each of our companies that we carry.

Car Insurance Company	Average Cost
Dairyland	$149
National General	$153
21st Century	$154
AssuranceAmerica	$156
Progressive Insurance	$164
GAINSCO	$169

Simpsonville Insurance: Cheapest Auto Insurance With Clean Driving History

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Keep your driving squeaky clean. Avoid accidents, violations, & points

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When you have a clean driving history, this will go a long way when it comes to your auto insurance rates.  When you have traffic violations or accidents your rates can double or even triple depending on the severity of the ticket. Make sure you drive safe and keep your driving history clean to ensure low rates.

Car Insurance Company	Average Cost
National General	$130
Dairyland	$133
Mendota Ins. Company	$133
The General	$134
Progressive Insurance	$136
GAINSCO	$148
Geico	$150
Acceptance RTR	$151

Tips on Choosing the Right Deductible for Home and Auto Insurance

• Consider Your Financial Situation – Choose a deductible that you can comfortably afford to pay out-of-pocket in the event of a claim. While higher deductibles can lower your premiums, make sure you have enough savings to cover the deductible if needed. Text Us for personalized advice on setting the right deductible for your budget.
• Balance Premium Savings with Risk – A higher deductible typically lowers your monthly premium, but it increases your financial responsibility in case of a claim. Evaluate how much you can save on premiums and whether the risk of paying a higher deductible is worth it in the long run.
• Review Your Claims History – If you rarely file claims, a higher deductible may make sense, as it can reduce your premiums. On the other hand, if you frequently file claims, a lower deductible could save you money over time by reducing your out-of-pocket costs. Call us at 1.888.445.2793 to analyze your claims history and find the best option.
• Understand How Deductibles Impact Coverage – For auto insurance, choosing a lower deductible can provide better protection for your vehicle, especially in cases of collision or comprehensive claims. For home insurance, a lower deductible can help cover the cost of unexpected damage, such as fire or water damage.
• Consider the Value of Your Home and Vehicle – If you own a more expensive vehicle or home, a lower deductible may be more appropriate, as repair or replacement costs will be higher. Conversely, if your property is older or less valuable, a higher deductible might be more manageable.
• Evaluate Your Risk Tolerance – If you prefer to pay lower premiums and can handle the higher out-of-pocket costs in case of an accident or damage, a higher deductible may suit you. However, if you want more financial protection in case of a claim, opt for a lower deductible.
• Look for Deductible Discounts – Some insurers offer deductible discounts for bundling home and auto policies, safe driving, or installing safety features in your home. These discounts can reduce your overall costs and make a lower deductible more affordable. Text Us to learn about potential deductible discounts with your policy.
• Factor in State Insurance Regulations – Depending on your state, there may be regulations affecting your deductible options. Some states have specific laws about hurricane, earthquake, or windstorm deductibles, which may influence your choice. Make sure you understand your state’s requirements before deciding.
• Reevaluate Your Deductible Periodically – Life changes such as an increase in income, the purchase of a new home, or adding a new vehicle may require adjusting your deductible. Review your deductible regularly to ensure it still aligns with your financial situation and coverage needs.
• Consult with an Insurance Agent – Before making a final decision, consult with an insurance agent who can provide personalized advice based on your unique financial situation and coverage needs. Text Us for expert guidance on choosing the best deductible for your home and auto insurance.

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Last Updated on September 19, 2024 by Camron Moss