Cheap Insurance Quotes for 4×4 Vehicles in South Carolina

The words “bargain” and “insurance” probably shouldn’t be used in the same sentence, specifically when you are shopping around for the lowest insurance rates for 4×4 vehicles. To help control this cost, let’s lead off by showing you a few of the factors that have a considerable impact on car insurance premiums, and see if we can help you lower the price of your next policy.

One of the more important things that play a part in determining rate quotes is where you choose to live in South Carolina. Areas with high crime rates or more dense population like Summerville, Florence, and Goose Creek tend to have higher rates, whereas areas that are not as densely populated can boast about having cheaper rates.

The illustration below displays the highest-priced places in South Carolina for 4×4 vehicles to purchase auto insurance in.

Premium amounts are estimated as specific South Carolina garaging address can raise or lower coverage prices greatly.

The type of vehicle on the policy is one of the biggest factors that determines the availablility of cheap insurance for 4×4 vehicles in South Carolina. Vehicles with high performance engines, a lack of modern safety features, or an increased likelihood of liability claims will cost quite a bit more to insure than safer, lower-performance models. The table below ranks coverage rates for a handful of the most affordable vehicles to buy coverage for.

Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Table data does not factor in the specific area where the vehicle is garaged which can modify premiums noticeably.

By looking at the data, cars like the Hyundai Elantra, Ford Edge, and Ford Escape are going to be some of the less-costly vehicles to insure for off-road vehicles.

Trying to buy cheap auto insurance is not most people’s favorite thing to do, and figuring out which insurers offer the cheapest car insurance rates for 4×4 vehicles takes more quotes for comparison. Each auto insurer uses a little different formula for determining prices, so let’s take a look at the car insurance companies that tend to be cheaper in South Carolina.

Best Car Insurance Prices for 4×4’s

Compare Rates Today

The Hartford may offer some of the most affordable car insurance rates in South Carolina at around $752 a year. USAA, State Auto, Auto-Owners, and Southern Farm Bureau also are some of the more affordable South Carolina auto insurance companies.

As shown in the table above, if you are insured with Auto-Owners and switched to The Hartford, you could earn savings of upwards of $401. Insureds with Southern Farm Bureau may save as much as $534 a year, and SC Farm Bureau Mutual policyholders might cut rates by $546 a year.

If you want to find out if you’re overpaying, click here to start a quote or click through to the companies below.

Bear in mind that those policy prices are averaged across all insureds and vehicles and and are not calculated with a price discount for 4×4 vehicles. So the car insurance company that can offer you the best rate may not even be in the above list. That point stresses why you need to compare rates from multiple companies using your own specific driver information and vehicle.

The chart below demonstrates how choosing different deductibles can change insurance costs when trying to find cheap insurance for 4×4 vehicles. The rate quotes are based on a married female driver, full coverage, and no discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2871,2627,2353,2091],[‘Age 30’, 2007,1831,1631,1439],[‘Age 40’, 1987,1817,1623,1437],[‘Age 50’, 1739,1595,1427,1269],[‘Age 60’, 1655,1515,1355,1201],[‘Age 70’, 1797,1643,1475,1317]]);var options = {title: ‘Effect of Deductibles on Car Insurance Rates in South Carolina’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

A 30-year-old driver could lower rates by $364 a year by changing from a $100 deductible to a $500 deductible, or save $550 by selecting a $1,000 deductible. Youthful drivers, like the age 20 example, could roll back prices $780 annually just by choosing higher deductibles when buying full coverage.

When increasing deductibles, it is necessary to have emergency funds available to be able to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

Rate comparison of full coverage and liability-only

Finding cheap insurance for 4×4 vehicles in South Carolina is probably important to the majority of people, and one easy way to lower the cost of insurance is to buy liability only. The diagram below compares yearly insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The information is based on no claims or driving violations, $1,000 deductibles, drivers are not married, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $1,000 Deductibles’, ‘Liability Only’],[‘Age 20’, 3267,1367],[‘Age 30’, 1697,749],[‘Age 40’, 1659,693],[‘Age 50’, 1519,649],[‘Age 60’, 1477,639],[‘Age 70’, 1845,855]]);var options = {title: ‘Full Coverage and Liability Only Rates’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in South Carolina’,minValue: 0,format: ‘$###,###’},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 averaged out across all ages, comp and collision coverage costs $1,911 per year more than just buying liability only. Many drivers may wonder when is the right time to remove full coverage. There is no set guideline to exclude physical damage coverage on your policy, but there is a guideline you can use. If the yearly cost of comp and collision coverage is about 10% or more of the replacement cost minus the deductible, then it might be time to buy liability only.

For example, let’s pretend your vehicle’s replacement value is $10,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company would pay you is $9,000 after paying your policy deductible. If premium cost is more than $900 a year for comprehensive and collision coverage, then it might be time to buy liability only.

Is the best company State Farm, Geico, Allstate, or Progressive?

If you want the best auto insurance for off-road vehicles, the four most popular companies are State Farm, Geico, Allstate, and Progressive. All of them offer physical damage and liability coverage, but each has different options that add value to each policy. The data below illustrates price and claims rank as well as some different options that are available.