Who Has Cheap Car Insurance Quotes for Nurses in South Carolina?

Our editors always tell us that when writing about car insurance, the words “cheap” or “affordable” should not be used anywhere to describe car insurance prices. Sad but true, cheap car insurance for nurses can be extremely hard to find. But don’t despair, because we will teach you how you can find auto insurance that may not be cheap, but it is affordable.

The vehicle model needing coverage is one of the biggest factors that determines whether or not you find the best cheap coverage for nurses. Vehicles with high performance engines, poor safety features, or a history of substantial liability claims will cost significantly more to insure than safer, lower-performance models.

The data below illustrates auto insurance premiums for some of the cheaper automobiles to insure.

Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Carolina minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Information does not factor in South Carolina location which can decrease or increase premium rates greatly.

Looking at the data, you can conclude that models like the Jeep Wrangler, Honda CR-V, Chevrolet Traverse, and Dodge Grand Caravan are most likely to be the most affordable vehicles to insure for health professionals.

When buying car insurance for health professionals, one of the key factors that help determine the price you pay for insurance is where your home is located. Areas with more people like North Charleston, Summerville, and Charleston will most likely pay more, whereas areas with less people or fewer weather incidents generally benefit from lower car insurance rates.

The following table displays the most expensive cities in South Carolina for nurses to purchase a policy in.

Rates are comparative as the specific South Carolina residence address can impact rates noticeably.

Drive safe and save

A great way to get cheap car insurance for nurses in South Carolina is to be an attentive driver and avoid traffic citations and accidents. The information below highlights how speeding tickets and accidents can raise auto insurance rates for different age groups. The costs are based on a single female driver, comp and collision included, $250 deductibles, and no discounts are taken into consideration.

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In the chart above, the average cost of car insurance in South Carolina per year with a clean driving record and no accidents is $1,704. Factor in one speeding ticket and the average cost jumps to $1,931, an increase of $227 each year. Now include one accident along with the one speeding ticket and the yearly cost of insurance for nurses goes up to an average of $2,564. That’s an increase of $859, or $72 per month, just for not paying attention while driving!

Finding a highly-rated car insurance company is difficult considering how many companies there are in South Carolina. The company ratings displayed below could help you select which insurers you want to consider when shopping your coverage around. The rankings below are only comprised of companies that insure vehicles nationwide, so companies that may only write in South Carolina are not included in this list.

Top 10 Large Car Insurance Companies in South Carolina Ranked by Claims Service

1. Travelers
2. Nationwide
3. Allstate
4. State Farm
5. Liberty Mutual
6. GEICO
7. American Family
8. Esurance
9. Titan Insurance
10. AAA Insurance

Top 10 Large Car Insurance Companies in South Carolina Ranked by Value

1. Travelers
2. American Family
3. AAA Insurance
4. Safeco Insurance
5. Progressive
6. The Hartford
7. The General
8. 21st Century
9. Esurance
10. Titan Insurance

Who has the cheapest insurance quotes for health professionals?

There are many ways to quote and buy insurance in South Carolina, but the most frequently used are either through an exlusive agent such as State Farm or Auto-Owners, an independent or non-exclusive agent, or from a direct company like Progressive.

Each way has the same basic steps, but buyers should know the differences in how they provide rate quotes.

Independent insurance agencies have contracts with multiple insurance companies and can get rate quotes from each one. They possess the freedom to give you more rates, which can give you improved odds of finding cheaper coverage. If you are not satisfied with one company, they simply switch companies in-house and you can keep the same agent.

Exclusive agencies are only able to write business for one company, two of the more popular are a State Farm or Liberty Mutual agent. They usually cannot shop your coverage around, so you will not be able to compare multiple prices.

Opting to purchase insurance direct means you do not use local insurance agents and buy direct from companies such as Esurance or Progressive. Buying direct may be preferred by drivers who do not need high amounts of coverage and know more than average about what coverages they need.

So which one of the three ways works best to buy cheap car insurance for nurses in South Carolina? We would first guess that buying from a direct company saves money because you bypass the middleman, but that turns out to not be true. A valid argument could also be made that using an independent agent can save the most money since they can provide multiple quotes, but that assumption is not true either. In some circumstances, exclusive agents may have very competitive prices that other companies cannot beat.

Due to the large number of rating factors, the best way to ensure you are not overpaying for insurance is to compare, compare, and compare some more. To find the best rates, be sure to get quotes from all three types in order to find the best price. For a list of companies offering online discounts in South Carolina, click here to view.

Tips for buying cheaper insurance for nurses

Here are a few penny-pinching ideas that can help drivers buy the cheapest coverage.

• Pay for small claims rather than turning them in to your insurance company
• At-fault accidents will increase rates
• Increase your deductibles
• Buy your homeowners policy from the same company as your auto insurance
• Do not get tickets or violations
• Clean up your credit
• Compare prices as often as possible

The last tip is highly important, as was noted in this article. Auto insurance prices in South Carolina adjust often, so don’t be hesitant to change insurance companies if a lower-cost policy is available.

We understand brand loyalty, but is isn’t recommended if that loyalty results in overpaying money that could be going to better use. It takes less than five minutes to shop around and find cheaper car insurance for nurses.