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A Low, Cheap South Carolina Auto Rate Is Only A Moment Away

South Carolina Insurance

Do you know if you are getting a low rate?

Find out if you can lower your South Carolina auto rates:


Factors That Affect Your South Carolina Auto Insurance Rate

South Carolina State Seal

The rules that South Carolina car insurance agencies use to determine your auto rate are based on statistics that determine, statistically, how high of an insurance risk you pose. By considering several factors, insurance agencies put you into a specific "risk group". This risk group ranking can determine whether or not you will be approved for insurance coverage. Your risk rating is calculated by weighing a number of factors and the lower your risk rating, the lower your auto insurance rate is going to be in South Carolina.

Auto Insurance Risk Groups

Generally, car insurance companies place approved policyholders in one of three driver categories.

  • Preferred: Preferred drivers usually end up wit the best rates. They are considered the least likely to file an insurance claim.
  • Standard: This category is for drivers who are determined to have “moderate” risk. They typically have reasonable driving records.
  • Non-standard: This group of drivers is considered “high risk” and usually includes drivers with little driving experience, anyone under 25, and drivers with several tickets or accidents on their driving record. This group pays the highest auto insurance rates.

    Factors that can determine which risk group you are in:

  • driving record: If you have traffic violations or have been involved in an auto accident, it will likely have a negative impact on your credit rating.
  • car make and model: The performance capability of your vehicle (i.e. how fast it can go and how well it maneuvers) may actually increase your rate. It also makes a difference how many times that make/model has been reported to be involved in accidents.
  • prior insurance coverage: Insurers also look at your prior insurance coverage. If you’ve had a clean driving history during the previous period and paid your monthly premiums on time, it may improve your rate.

Do You Want To Lower Your Car Insurance Policy? Here are a few tips:

  • Drive safely and keep a clean record
  • Shop around and compare rates
  • On cars with a market value less than $1,000, consider carrying only liability coverage.
  • Ask the insurance company about discounts (multiple car policy, driver’s ed courses, good grades, safety features, etc.)