Best Cheap Insurance for Drivers with Good Credit in South Carolina

Finding out which companies have the cheapest car insurance rates for drivers with good credit calls for a little more work in order to find the most economical policy. Each company has their own formula for setting rates, so let’s take a look at the lowest cost car insurance companies in South Carolina.

It’s a good idea to be aware that South Carolina car insurance rates are influenced by many factors that may substantially change the policy premium. Getting older, buying a different home, or getting into an accident may generate price changes that can make some companies cheaper than competitors.

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The Hartford offers some of the best car insurance rates in South Carolina at around $752 a year. USAA, Auto-Owners, State Auto, and SC Farm Bureau Mutual would also make the list of some of the best South Carolina car insurance companies.

In the above rates, if you currently have coverage with State Auto and switched to The Hartford, you may see savings of in the neighborhood of $375. Insureds with SC Farm Bureau Mutual could save as much as $546 a year, and Southern Farm Bureau customers might see rate reductions of $546 a year.

Remember that these policy rates are averaged across all drivers and vehicles and and are not calculated with a rate discount for drivers with good credit. So the company that has the cheapest rates for you may not even be in the list of companies shown earlier. That point stresses why you need to get auto insurance quotes using your own specific driver and vehicle information.

The vehicle model that is being insured is one of the largest factors that determines whether or not you find cheaper auto insurance for drivers with good credit. Vehicles with average performance, a plethora of safety features, or a low likelihood of liability claims will cost significantly less to insure than high performance models. The table below ranks coverage costs for the cheapest vehicles to insure.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Carolina minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Price estimates do not factor in specific South Carolina garaging location which can modify premium rates considerably.

Based on these rates, we can presume that makes and models like the Honda CR-V, Jeep Wrangler, Hyundai Tucson, Dodge Grand Caravan, and Ford Escape are most likely going to be a few of the most affordable vehicles to insure for financially responsible drivers.

Discounts on South Carolina insurance

<img class="shadow floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/car-insurance-drivers-good-credit-sc.jpg" alt="Cheaper South Carolina car insurance for financially responsible drivers” />Car insurance companies that sell the best cheap insurance for drivers with good credit in South Carolina may provide rate discounts that can reduce rates by as much as 30% if you meet the requirements. A few of the larger companies and some of the premium reductions they offer can be found below.

The information below visualizes the comparison of annual premium costs with and without discounts being applied to the rates. The price estimates are based on a female driver, no violations or claims, South Carolina state minimum liability limits, full physical damage coverage, and $1,000 deductibles.

The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with safe-driver, multiple vehicle, marriage, defensive driving course, multiple policy, and claim-free discounts applied. With discounts applied, the average savings per year on car insurance for drivers with good credit is % or $.

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