Liberty

Cheap Car Insurance Liberty South Carolina
Affordable Auto Insurance

Cheap Car Insurance Liberty, South Carolina

Progressive * Travelers * Dairyland * Allstate * Farmers * The General * & More

We shop to find the best rates for Auto and Home Insurance in Upstate SC

Top 10 Vehicles We Insure In Liberty

We insure so many different vehicles here at A Plus Insurance. There is not a vehicle model that we do not insure. Here in Liberty, SC the top vehicles we insure are as listed below. Let us run through them real quick starting from the most popular. Acura at number one, Chevrolet, Cadillac, Buick, Subaru, BMW, Jeep, Nissan, Honda, GMC, Dodge, and Volvo. There are many more but just wanted to list the top 12 here in Liberty, SC. Contact your agent for more information!

1Acura
2Chevrolet
3Cadillac
4Buick
5Subaru
6BMW
7Jeep
8Nissan
9Honda
10GMC
11Dodge
12Volvo

Discounts Available In Liberty

As a motorist you want to get rewarded for your years of good driving and with auto insurance you can! You can get lots more discounts too! If you look at the chart below you will see some of the most common discounts that your auto insurance carrier may offer. Discounts that are going to have a high impact on your insurance rates are getting an advanced quote, paying or your policy in full, having no accidents or violations and setting up auto pay for your account. Contact your agent to see what discounts you may qualify for!

Impact on ratesDiscounts Available
MildMilitary
MildMulti Policy
HighAdvanced Quote
HighPaid in Full
MildPaperless Discount
MildMarried
HighNo Accidents or Violations
HighAuto Pay
MildMulti Vehicle

How Gender And Age Impact Your Insurance Rates In Liberty SC

Did you know that something else that can affect your auto insurance rates is your gender AND your age? Age may be common sense, I mean the older and more experienced driver you are the less of “a risk” you can be considered to your auto insurance carrier and when you are a young new driver, you may be more likely to make claims so your rates will be higher. As far as gender, males tend to pay more for car insurance, but studies show its because males tend to drive more than females and that means more claims come from males. Check out the data chart below to compare rates.

AgeMaleFemale
16-18$ 231.84$ 184.09
19-24$ 193.20$ 161.00
25-30$ 139.84$ 124.84
31-40$ 110.40$ 106.08
41-50$ 109.48$ 98.44
50-65$ 99.36$ 101.48
65+$ 106.08$ 114.08

Cheapest Full Coverage Rates In Liberty

We all want the best of the best. And that still applies to our insurance rates and coverages. When you choose to have full coverage on your vehicle, you may feel it can get pricey, but it is worth it! We made a list of companies and the average price of full coverage in Liberty, SC.

RankCompanyAverage price
1Progressive$119.00
2Mendota$133.00
3The General$151.00
4Bristol West$162.00
5Travelers$182.00
6Liberty Mutual$185.00
7Dairyland (Viking)$189.00

Understanding Insurance Laws In Liberty, South Carolina

Just like most states in the United States, South Carolina requires its drivers to be covered with a certain level of liability insurance. Driving without coverage can lead to a person being charged with increasing fines and the eventual loss of their driving privileges. Should a person cause an accident without being covered, they could end up paying thousands of dollars out of their own pocket. This information will help drivers to understand South Carolina, car insurance laws so they can know their responsibilities and can make sure they are properly covered.

It’s also worth mentioning that the entire state of South Carolina requires that drivers obtain these minimum limits for vehicle insurance:

$25,000 bodily injury per person

$50,000 bodily injury per accident

$25 property damage for each accident

Auto Insurance In Liberty, South Carolina

Every insurance company is an individual business that has control over its rates and how it factors what its clients will pay, despite there being some general standards that most follow. This includes the fact that most will consider men a higher risk than women, teenagers will usually be charged more than adults, and people with clean driving records will get the best deals. Beyond that, there are numerous discounts, programs, and bundling offer that a South Carolina auto insurance company may, or may not, offer. The only solution for any driver who wants the best price is to check the rates of multiple companies every time they are ready to begin a new policy. 

Auto insurance in South Carolina can range from surprisingly cheap to ridiculously expensive. While the type of coverage does affect the cost, there can be substantial differences from one company to the next, even for the same coverage. Low-Cost providers are often smaller, bare-bones companies. They may not have any physical locations or agents that provide one-on-one customer service to their clients. These companies typically exist as online entities and are entirely legitimate, but have no frills or extras.

A nationally known company may seem to be a good choice that would provide the best discounts, but this is not always the case. Smaller, privately owned agencies often match their rates, and frequently even beat them. This is because large corporations have more overhead, including higher advertising expenses, more physical locations to pay for and many more employees.

Every South Carolina car insurance company must write policies that include state-required minimums. Vehicles with liens on them must also carry full coverage, as opposed to simply liability. Other than that, there is a lot the client can do to change the amount they have to pay. Extras like roadside assistance, rental cars, and towing packages can increase the cost of a policy. Taking advantage of discounts for seniors, veterans and whatever else may be available can also trim as much as 5-20 percent off the cost of a policy. There are many other factors that affect Insurance quotes that drivers can control.

How to Get Better Insurance Rates In Liberty SC

When shopping for Auto Coverage in South Carolina, some additional tips can help consumers to find the best price. First, always check with several companies to get the broadest range possible. Do not just look at the bottom line, but make certain that the comparisons are for equal coverage amounts. Talk to someone if their rates seem out of line to see if all discounts are being factored and if there are any others, like a multi-car discount, that has not yet been applied. Look into extras like roadside service and towing to see how much it adds to the policy. In many instances these additional charges are expensive, but in some cases, they can be cheaper than paying for an auto club membership. In this case, by canceling the membership with the auto club, the car insurance can save the customer money.

A lot of the information people know about insurance companies is true. Insurers will not always cover the full cost of replacing a new vehicle, so purchasing GAP coverage may be needed. Auto insurance also does not necessarily cover lost property stolen from a car. In fact, it usually will not cover this type of loss. While these statements are factual, there are many commonly believed myths about how insurance rates are factored consumers should ignore most of those.

Some Things to Consider:

Driving Safe Usually Mean Discounts

Married Couples Typically Get Better Rates

Many Employers, Organizations, & Clubs Offer Discounts Programs

Less Miles Means Less Chances For Accidents & Less Wear And Tear

Driving Cars With High Safety Ratings Reduces Insurance Rates

MYTH #1: There are safer colors of vehicles

Reality: Insurers do not care what color cars people drive. Neither their statistics nor any Department of Transportation studies have shown any connection between the color of a car and its accident risk.

MYTH #2: Staying loyal to one company saves money

Reality: In some instances, this may be true, especially if there have been no claims made on the policy. If a claim is filled, the policy will almost always go up, no matter how long the driver has been with the company. For many drivers, the discounts many companies offer, make it worth shopping around.

MYTH #3: Insurance is cheaper on older cars

Reality: Insurance rates are not based on the age of a vehicle, but its value costs to repair and its safety rating. If comparing full coverage on a new car with the minimal coverage on an older automobile, the older one will cost less. However, when comparing policies of equal values, there is no guarantee that the age of the vehicle will be a factor that saves money.

Auto Insurance In South Carolina

Finding Auto insurance in South Carolina does not need to be a time-consuming process. It is possible to compare policies easily, and many companies that provide these searches allow drivers to do so without giving a lot of personal information. It is worth the few extra minutes to compare. Recent studies have shown that drivers can save on average approximately $800 a year by shopping around.  For more information about Liberty SC click here.

Every day people are shopping for car Insurance in South Carolina.  Some consumers are just starting out while others are trying to lower their current policies.  A Plus is a broker who helps shop for South Carolina auto coverage.  Our primary goal is to find quality auto insurance in South Carolina to fit our client’s needs and budgets.  We offer multiple different South Carolina carriers to choose from.  Our fast and friendly staff is there to help answer questions, run rates, and shop those various insurance companies.  Customers may also visit our website consumer portal to run online insurance quotes day or night.  Finding coverage in South Carolina is easy when using a brokerage.  We gather the necessary information needed to generate a rate, plug it in and run the rates with you right there on the phone.  Most of our carriers have various billing options, so we can choose the best plan that suits your needs.  Our agents look for different discounts such as multi-car, multi-policy, good driver, accident-free, and continuous insurance to help lower the South Carolina car insurance policies.

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Last Updated on July 3, 2021 by Shawn Christie

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