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Cheap Car Insurance in South Carolina

cheap car insurance in south carolinaYour opportunity to get cheap car insurance in South Carolina that beats the competition cold has never been better than right here with our online Rapid Quote Partner Network established specifically to provide free low cost quotes from some of the best online insurance companies in the Nation.

Our free online quoting system rewards you by saving you hundreds of dollars on your car insurance premiums by getting as many quotes as you want with no cost or obligation and no pressure from insurance agents trying to sell you coverage you don’t need.  It’s puts the power of getting cheap car insurance in South Carolina back into the hands of you the consumer by simply entering your zip code and selecting “Auto Insurance” to get your quotes.  It’s designed convenient, accurate and very fast to save you time and money!

Cheap Car Insurance in South Carolina

Whether you live in Raleigh, Columbia, Charleston, Wilmington or Myrtle Beach you’ll find that the average annual car insurance premium in South Carolina is about $1367 where the U.S. average is about $1446.

Now here’s an important part to getting cheap car insurance in South Carolina.  If you live in a highly populated metro area your rates will unquestionably be higher than if you lived in a suburban or rural area.  Statistically, the increase in the density of the population leads to higher accident claims, higher auto theft rates and higher car vandalism rates.  Where you live has an impact on your costs plain and simple.  That’s why online insurance quotes in South Carolina and every state in the Nation are quoted by zip code.

Cheap Car Insurance in South Carolina-Requirements

South Carolina auto insurance is regulated at the State level just as in every other State.  As such, there are requirements mandated by the state as minimum requirements you have to have as part of your policy no matter who you are or where you live in South Carolina.

One of the questions we frequently get for the different locations our partner network services is what the car insurance requirements are for your location.  It’s important to know because when you quote, you can quote a basic package that’s required by law and increase your coverages, modify your deductible and add different coverage types that may be important to you or members of your family.

An example of coverage that is optional in many states, but mandatory in South Carolina (and for good reason) is uninsured or under insured motorist protection coverage.  The truth is, just because car insurance is required in South Carolina doesn’t mean there aren’t drivers out there that don’t have coverage.  In fact, most of us know someone that got into an accident and the other driver (who is typically at fault) didn’t have insurance.  It’s an important coverage and it’s required in South Carolina.

The car insurance system in South Carolina follows the Tort system which means that if there is an accident, someone will be found to be at fault.  When that occurs, that person and their insurance company will bear the responsibility of the cost of all damages resulting from that accident.  The details of Tort systems can differ from State to State, but the basic premise is the same.  South Carolina is an “at-fault” State.

Here are the minimum car insurance requirements for South Carolina:

Bodily Injury Liability: $25,000/$50,000 Cap
Property Damage Liability: $25,000 Cap
Uninsured Motorist Bodily Injury: $25,000/$50,000 Cap
Uninsured Motorist Property Damage: $25,000 Cap

Again remember, these are minimum requirements so you can and often should add coverage to certain types of protection depending on miles driven, driving habits and your personal financial resources to self insure above the minimum amount.

Cheap Car Insurance in South Carolina-Ways to Save

If you’re somewhat unfamiliar with car insurance and the terminology used when discussing car insurance you should gain a little more knowledge about the types of coverage available before you begin quoting.  It’s pretty basic to learn so don’t be intimidated or think that it’s complicated.  It’s not.

Here are the types of car insurance in South Carolina that are available so you understand them when quoting.  Please note that in South Carolina, because it’s an “at-fault” State, PIP or Personal Injury Protection is not a requirement to have.  That’s an added type of coverage when you live in a “no-fault” State like Florida.

How to Save Money On Your Car Insurance

Saving money on your car insurance is one of the most important things to know when you’re quoting insurance.  There are a significant number of ways to save.

The first and most important as we have discussed is to make sure you get multiple quotes through our system so you’re essentially having numerous companies compete for your business.  If you’re driving record is clean, it’s important because you’ll maximize your savings.  If you’re driving record has some flaws, it’s even more important because no two insurance companies quote car insurance the same and you’ll find that your first quote is rarely your best quote.  It’s a fact.  The best part is that it doesn’t take long to do at all and you’ll end up being certain you’ll have received the best quote available for your situation.

To find out all of the reasons online quoting can save you money and most importantly, 10 strategies to get the cheapest car insurance in South Carolina possible, simply click on the link and scroll down and begin reading.

Today, millions of people quote their car insurance online because of the savings in time and money that they’ve found they get right from the comfort of their own home.  It’s one of the best consumer services available and the best part is that it’s free and there’s never any obligation to purchase or any pressure from an insurance agent sitting across the desk from you.  We hope this article has been helpful and hope you enjoy the savings!




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Posted in: Auto Insurance, Insurance