Finding cheap auto insurance in South Carolina can take a lot of pressure off your monthly budget. But with so many companies claiming to offer the best rates, it’s not easy to noodle out the perfect policy for your particular needs and budget.
Our Geeks have made the process a lot easier by comparing quotes from nine top providers in SC. Below, you’ll find the best car insurance rates for:
Best Rates For Drivers With No Recent Accidents
Drivers who haven’t caused any collisions in recent years tend to pay less for car insurance since they’re considered to be less of a liability. If you’re part of this driver category, you should be able to find cheap auto insurance quotes from Allstate. The driver in our test was age 29 and commuted 12,000 miles per year.
Best Rates For Teen Drivers
Our Geeks found that Allstate offers the lowest rates for teenage drivers in South Carolina. We averaged the insurance quotes of an 18-year-old male and female who had a clean driving record and drove 12,000 miles per annum.
Best Rates For Drivers With A DUI
A DWI or DUI conviction typically leads to higher car insurance rates, but some providers are more lenient than others. Allstate was found in our research to have the best cheap SR22 car insurance for drivers with a DWI or DUI in South Carolina.
Switching to a company that caters to drivers in this category could translate into a significant reduction in your monthly expenses. The driver in our research was age 29 and had a single DUI conviction with a blood alcohol content of 0.08 percent.
Best Rates For Senior Drivers
We determined that Allstate offers the best car insurance rates for seniors in South Carolina. Our data is based on monthly premium estimates for a 65-year-old female and male driver.
The default annual mileage in our study is 12,000. The car is a 2014 Toyota Corolla. Our estimates are based on average monthly insurance premiums of female and male drivers from five SC zip codes. The monthly premium estimates for teen drivers are based on the minimum car insurance requirements in South Carolina. For all other segments of the study, we used 50/100/25 liability coverage limits and the same limits for uninsured motorist coverage.
What Is The Minimum Required Auto Insurance In South Carolina?
In South Carolina, all motorists must have auto insurance that covers:
- $25,000 Per Individual / $50,000 Per Collision In Liability Coverage For Bodily Injuries
- $25,000 In Liability Coverage For Property Damage
- $25,000 Per Individual / $50,000 Per Collision In Uninsured Motorist Bodily Injury Coverage
What Are The Penalties For Driving Without Car Insurance In South Carolina?
Driving without car insurance in South Carolina can be charged as a misdemeanor offense. If you are unable to show an insurance ID or insurance papers when a police officer requests it, you will be fined $100 to $200, and your plates and registration may be confiscated. You will also have to file form SR22 immediately after being cited for the offense or you will have to pay a $550 Uninsured Motorist Fee. You will also have to pay $5 per day until you submit your new insurance policy to the court. You will have to pay $200 to get your registration reinstated.
If you are convicted of a second offense within 10 years of the first, the financial penalties are similar to those of a first offense, but you might also have to spend 30 days in jail. For a third offense within 10 years, you will be considered a Habitual Offender and have to spend 45 days to six months behind bars.
5 Ways To Lower Your Car Insurance Rates In South Carolina
Cutting your monthly insurance premiums is easier than you probably think. Unfortunately, many people fail to ask their provider about the discounts that apply to their particular situation. Before you contact your insurer, it’s a good idea to learn the key elements that go into your car insurance rates. These include:
- Whether you were found liable for a recent wreck;
- Whether you’ve been cited for any major traffic infractions;
- Whether you’ve been convicted of DUI or DWI;
- Your age and years of driving experience;
- Your location;
- The vehicle you drive;
- Your annual mileage; and
- How you intend to use your vehicle.
Next, you need to identify ways to show your insurance provider that you are less of a liability to insure. The following strategies are especially effective:
- Make a concerted effort to avoid accidents for consecutive years;
- Never break traffic laws;
- Do not drink and drive;
- Buy a vehicle that is cheap to insure; and
- Reduce your annual mileage.
If your current provider doesn’t have any discounts that apply to your situation, consider getting quotes from other insurance companies.
Common Reasons Car Insurances Claim Are Denied
1. You Didn’t Report The Accident
Your insurer most likely will require a police report to prove that you were involved in an accident. Why? Every year, insurers have to sift through thousands of fraudulent claims, so they have begun to take a hardline against flimsy cases.
To prevent your next claim from going up in smoke, ensure that you have reported the accident to both the police and your insurance company.
2. Your Policy Does Not Cover The Types Of Damages You Incurred
Your insurance policy isn’t a new microwave – don’t throw out the manual! Understanding your policy takes just a few hours of reading and will arm you with useful information when it’s time to file a claim.
Many drivers file claims for damages that are not covered by their insurance policy and go through the hard work of filling out forms and collecting evidence only for the process to end in a denial.
3. You Were Under The Influence Of Alcohol Or Drugs
Not only is driving while intoxicated illegal, but it will also destroy your claim. If a police report on the crash indicates that you were under the influence, your insurer will immediately reject your case.
4. You Didn’t Visit The Doctor
If you’re claiming medical expenses, your insurer requires a detailed doctor’s report linking your injuries to the crash. However, if you delay visiting the doctor, it may be hard to connect your injuries to the accident.
Visit a doctor as soon as possible after a crash.
5. You Didn’t Pay Your Premiums
If you miss a cable payment, you’ll be watching nothing but static. Skipping your policy’s monthly payments carries far more chilling consequences.
In almost any case, your insurer will not compensate you for damages or injuries if you haven’t paid your premium.
How Can I Prepare For The Worst-Case Accident Scenario?
Make sure you hedge your bets even when the odds aren’t in your favor:
- Keep loose items such as books, debris and toys in your trunk;
- Invest in a first aid kit to help treat injured passengers, drivers or pedestrians; and
- Keep a folder containing your insurance and health plan information and your vehicle registration on hand.