Who Has the Cheapest Car Insurance Quotes for Lyft Drivers in South Carolina?

It would sure be easy if we could simply tell you the one car insurance company that has the lowest rates in South Carolina. It’s just not that easy, however, as there are a whole bunch of unknown elements like whether or not your vehicle has good safety ratings, what level of deductibles you need, if you are a man or woman, and how much liability insurance you need, that all have an effect on the price of a policy. This article will detail the best ways to avoid paying too much and will hopefully give you a good beginning to your quest for cheaper car insurance.

Trying to buy reasonably-priced auto insurance is not always easy, and finding out which company has the cheapest car insurance rates for Lyft drivers will take even more diligence.

Every auto insurer has their own guidelines for establishing rates, so to begin we’ll rank the most affordable car insurance companies in South Carolina. We do need to point out that South Carolina car insurance rates are impacted by many things which can substantially change the price you pay for coverage. Getting older, increasing liability limits, or getting a ticket for running a stop sign can trigger changes in premium resulting in some rates now being more expensive than others.

Best Insurance Companies for Your Lyft Vehicle

Compare Rates and Save

google.charts.setOnLoadCallback(drawSCT5qcibChart);function drawSCT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘The Hartford’, 768, ‘#33CF8F’], [‘USAA’, 985, ‘#2AAC77’], [‘State Auto’, 1127, ‘#238F63’], [‘Auto-Owners’, 1153, ‘#1D7752’], [‘SC Farm Bureau Mutual’, 1286, ‘#186344’]]);var options = {title: ‘Cheap Car Insurance Companies in South Carolina’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1386,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibt5cic’));chart.draw(view, options);}

The Hartford offers some of the most affordable car insurance rates in South Carolina at around $768 a year. USAA, State Auto, Auto-Owners, and SC Farm Bureau Mutual would also make the list of some of the most economical South Carolina car insurance companies.

As the example above demonstrates, if you currently have a policy with USAA and switched to The Hartford, you may see savings of upwards of $217. Customers with State Auto could save as much as $359 a year, and Auto-Owners insureds might reduce prices by as much as $385 a year.

To see how much you can save, click here to start a quote or visit any of the low-priced companies below.

It’s important to note that these policy rates are averaged across all types of drivers and the different vehicles they drive and and are not figured with a rate discount for Lyft drivers. So the company that fits your situation best may not even be included in the company chart above. That illustrates why you need to compare as many prices as possible using your own individual information.

One of the more important components that auto insurance companies use when figuring the price of your policy is your address in South Carolina. Areas that are densely populated or have higher claim frequency like North Charleston, Charleston, and Sumter tend to pay more, whereas areas with less congestion generally pay less for auto insurance.

The next table sorts the highest-priced places in South Carolina for Lyft drivers in which to buy car insurance.

Rate information is comparative as specific South Carolina garaging address can affect premiums noticeably.

Impact of speeding/accidents on car insurance rates

In a perfect world, the ideal way to receive the best car insurance premiums for Lyft vehicles is to be a careful driver and maintain a clean driving record. The information below shows how violations and at-fault fender-benders influence annual premium costs for different categories of driver ages. The premiums assume a single female driver, full coverage, $250 deductibles, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and Two Accidents’],[‘Age 20’, 2511,3093,5235],[‘Age 30’, 1737,2317,4461],[‘Age 40’, 1613,2197,4335],[‘Age 50’, 1413,1993,4139],[‘Age 60’, 1365,1943,4087],[‘Age 70’, 1587,2169,4309]]);var options = {title: ‘Effect of Violations and Accidents on South Carolina Auto Insurance Rates’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],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);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the previous chart, the average cost of an auto insurance policy per year with no accidents or violations is $1,704. Receive two speeding tickets and the average cost increases to $2,285, an increase of $581 each year. Then throw in two accidents along with the two speeding tickets and the annual cost of car insurance for Lyft drivers goes up to an average of $4,428. That’s an increase of $2,723, or $227 per month, just for a couple of infractions!

How to find economical insurance for Lyft drivers

The list below details some of the recommended money-saving suggestions that can help South Carolina drivers get the cheapest coverage.

• Home or renters coverage can save on auto insurance
• Do not get traffic tickets
• Good credit can mean cheaper rates
• Raise your deductibles
• Earn a discount by not filing claims
• Accidents can significantly increase rates
• Compare rates regularly to ensure the best deal

The last item on the list is especially valuable, as was affirmed in the prior information. Car insurance rates in South Carolina change constantly, so don’t be tentative to buy from a new company if you can find a cheaper rate.

Loyalty to a specific company is fine, but is isn’t recommended if that faithfulness ends up costing you a small fortune year after year. Now is a great time to shop around to find cheaper car insurance for Lyft drivers.