Who Has Cheap Auto Insurance Quotes for Welfare Recipients in South Carolina?

Deciphering which insurers offer the cheapest auto insurance rates for welfare recipients calls for a tad more effort in order to find the lowest price. Each company uses their own calculation for determining prices, so to begin we’ll rank the auto insurance companies with the overall cheapest rates in South Carolina.

We do need to point out that South Carolina auto insurance rates are calculated based on many things which can substantially change the price you pay. Simply having another birthday, increasing deductibles, or getting into an accident can trigger changes in premium that can cause some rates to be affordable when they were higher priced.

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The Hartford may offer some of the cheapest car insurance rates in South Carolina at around $752 per year. USAA, Auto-Owners, State Auto, and SC Farm Bureau Mutual also rank well as some of the most economical South Carolina insurance companies.

As shown in the rates above, if you currently buy coverage from State Auto and switched to USAA, you might achieve yearly savings of upwards of $102. Drivers with SC Farm Bureau Mutual may save as much as $261 a year, and Southern Farm Bureau insureds might lower prices by $273 a year.

These premiums are averaged across all types of insureds and vehicles and do not factor in a price decrease for welfare recipients. So the car insurance company that fits your situation best may not even be featured in the above rate chart. That points out the importance of why you need to get car insurance quotes using your own personalized driver profile and vehicle information.

One of the more important considerations that is used to help calculate car insurance rates is the neighborhood you call home in South Carolina. Cities with larger populations or higher claim trends like Florence, Goose Creek, and Charleston tend to pay more, whereas areas with less people or fewer weather incidents benefit from lower coverage costs.

The table below illustrates the highest-priced areas in South Carolina for welfare recipients to buy auto insurance in.

Information shown are approximated as the specific geographic location can impact coverage rates substantially.

Discounts on cheap auto insurance for welfare recipients in South Carolina

<img class="shadow floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/auto-insurance-welfare-recipients-sc.jpg" alt="Cheaper South Carolina auto insurance for drivers on welfare”/>Insurance companies that provide coverage for welfare recipients may have policy discounts that could reduce prices by 35% or more if you can meet the requirements. Larger auto insurance companies and a selection of discounts can be found below.

The example below visualizes the comparison of auto insurance rates with and without discounts applied. The premiums are based on a male driver, a clean driving record, no claims, South Carolina state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.

The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with multiple policy, passive restraint, multiple vehicle, accident-free, marriage, and vehicle safety discounts applied. When these discounts are applied to the policy premium, the average amount saved each year on auto insurance for welfare recipients is 42% or $513.

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Full coverage versus liability only rates

Finding cheap auto insurance for welfare recipients in South Carolina should be important to the majority of people, and one of the quickest ways to find cheaper insurance is to only pay for liability coverage. The information below illustrates the comparison of car insurance rates with full physical damage coverage compared to only buying liability only. The premium estimates are based on no violations or claims, $250 deductibles, drivers are not married, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $250 Deductibles’, ‘Liability Only’],[‘Age 20’, 3393,1035],[‘Age 30’, 1765,569],[‘Age 40’, 1751,529],[‘Age 50’, 1591,495],[‘Age 60’, 1535,487],[‘Age 70’, 1857,649]]);var options = {title: ‘Comparison of Full Coverage and Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in South Carolina’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

If the expense is averaged for all age categories, physical damage coverage costs $1,982 per year over and above liability only. Many drivers will wonder if you should buy full coverage. There is no clear-cut formula to stop paying for physical damage coverage on your policy, but there is a general school of thought. If the yearly cost of comp and collision coverage is about 10% or more of replacement cost minus your deductible, then you might want to think about dropping full coverage.

There are some circumstances where only buying liability is not advised. If you still owe money on your vehicle, you have to carry full coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not eliminate full coverage.

Company comparison: Progressive vs State Farm vs Allstate vs Geico

If you’re looking for the cheapest auto insurance, the top insurers to get price quotes from are Progressive, State Farm, Allstate, and Geico. Combined they have almost 50% of the entire U.S. car insurance market. Each company has a slightly different mix of options and features that shoppers can select from. The data below ranks some of the different options and features that are available.