In Spartanburg, SC, drivers are looking for the best and cheap car insurance; however, price shouldn’t be the most important factor to consider when shopping for an auto insurance policy. Having an in-depth insight into car insurance policies can help you purchase what you need and protect you against overwhelming debts after a severe car crash. Actually, the best auto insurance companies in Spartanburg, SC, want to work with informed customers.
Insurance companies calculate your premium based on the profile details that you supply them, and for that reason, you should be as honest as possible. Tell them accurately about the environment you frequently drive in, such as city, interstates, or highways, as well as your driving habits. Next, pick your insurance policy based on your budget, and this factor helps you calculate your coverage limit and the type of company you will use to insure your vehicle. The company should be dependable, or one that can provide you quick response when you file a claim and has the type of services that you want.
The majority of Spartanburg car insurance companies treat their valuable customers really well, and that is why you will not hesitate to recommend these providers to your close friends and family. Continue reading this guide for more information.
The Best Cheapest Spartanburg SC Car Insurance Companies
Insurance companies have a unique way of defining the best rates and cheap rates, just like any other industry. The best car insurance companies in Spartanburg, SC, are reliable, offer high-quality customer service, and are able to honor claims.
Since drivers want optimum protection against on-road and off-road accidents, selecting a full coverage policy with higher liability limits, collision, and comprehensive insurance coverage will take care of medical bills and damaged property costs of the policyholder and third parties that result from an auto accident.
Insurance companies consider factors such as age, driving record, credit history, and location when calculating the cost of their different policies. It’s advisable to shop around and compare rates with multiple insurance companies. This can actually save you close to $528.
The below table shows the best Spartanburg car insurance companies.
Average Cost Of Car Insurance Spartanburg SC
The national average annual premium is $1,357, while the South Carolina average annual premium is $1,193. This means that South Carolina drivers pay slightly lower compared to other Americans.
However, drivers can save more when they shop around and compare rates from multiple Spartanburg auto insurance companies. Companies reserve discounts for new customers and those with good driving history, so ask for discounts when renewing or purchasing your car insurance policy because they help lower your premiums.
Spartanburg Auto Insurance Requirements
Drivers in the Spartanburg area must certify that they have an automobile liability policy or they don’t own a vehicle at the time of renewing or applying for a driver’s license.
A vehicle owner must carry liability auto insurance with the following minimums:
- $25,000 for bodily injury and death per person.
- $50,000 for total bodily injury or death liability per accident.
- $25,000 for property damage per accident.
Liability coverage pays medical expenses, property damage costs, and any other expenses of injured drivers, passengers, and pedestrians as well as their damaged vehicle in a car accident that you caused up to the coverage limits.
It’s important to carry a higher coverage because medical bills and property damage costs from a serious crash can be extremely high and can exhaust your limits, thus leave you with overwhelming debts. So it advisable to increase your insurance coverage because it protects your finances and personal assets.
Liability coverage also covers auto accidents caused by any family member driving your vehicle or an authorized person. It will also kick in when you get into an accident while driving a rental car.
On the other hand, liability insurance doesn’t take care of injuries and vehicle damage of a policyholder after an in-state accident. For that reason, you need to add underinsured motorist insurance, uninsured motorist insurance, collision insurance, and comprehensive insurance coverage to protect you when there is no one else’s coverage to cover your losses after an accident.
It’s mandatory in South Carolina to have collision coverage when driving a rental or financed car. However, it’s optional in other instances, but it can cover the repairs or replacement of your damaged vehicle as a result of a collision with another car or when you hit a fenced or tree when driving.
Therefore shop around for cheap car insurance in Spartanburg, SC, for your full insurance coverage and some add-ons in order to optimize your protection and avoid overwhelming debts in the event of an expensive auto accident.
How To Get Cheapest Car Insurance Quotes In Spartanburg SC?
Every driver wants to get the best possible when renewing or purchasing an insurance policy. The best car insurance companies in Spartanburg, SC, offer drivers with good driving histories better rates than others. These are drivers without speeding tickets, DUIs, and crashes and so being a good driver is a more effective strategy for getting an affordable insurance rate.
Still, drivers can save on car insurance premiums through other ways such as:
Consider Switching Auto Insurance Providers
The Spartanburg SC area has many insurance companies, and all of them take a different approach when it comes to calculating premiums; thus, the reason for different rates that you find in the market when you shop around.
You may find that an insurer that offered the cheapest car insurance in Spartanburg increasing the premiums so avoid the temptation to stick with one insurer. This is particularly important when your situation changes after a DUI conviction or an accident, and you notice a major increase in your premiums.
So shop around and switch to a cheap auto insurance Spartanburg SC company.
Ask about Discounts
Insurance providers attract new customers and reward good drivers with various discounts. Therefore ask about discounts when shopping for affordable car insurance quotes in Spartanburg SC, because they lower insurance premiums of those who:
- Bundle their car insurance with homeowners insurance, etc.
- Insure more than one car under one policy
- Maintain a clean driving record
- Pay their full annual or six-month premium in lumpsum.
- Install anti-theft or safety devices
- Join a professional organization or affiliate groups
- Receives documents online and more.
Purchase a Vehicle that is Cheapest to Insure
One of the factors that Spartanburg auto insurance companies consider when calculating your premium is the year, make, or model of your car. Different vehicles have varied risks, such as being stolen or getting into accidents. So one vehicle may pay a higher premium than the other even if you’re purchasing similar insurance coverage and limits.
So switch to a car that is cheaper to insure, such as those with less horsepower, because they have fewer speed-related collision cases.
Opt for Less Car Insurance Coverage
You pay a lower premium when you purchase liability car insurance coverage. However, unless you’re storing your vehicle or planning to drive less, it’s not advisable to lower your car insurance coverage.
Lower insurance coverage can leave you with overwhelming debts when you get involved in a serious auto accident. Also, it just takes a simple distraction to cause a car crash, or you may be hit by an uninsured motorist, and these incidents will require you to pay out of pocket if your coverage is insufficient.
Actually, your goal should be to enhance your liability insurance above the state minimum limits by adding underinsured motorist insurance, uninsured motorist insurance, collision, and comprehensive insurance coverage.
Maintaining a Clean Driving Record for Several Consecutive Years
Always follow traffic rules when driving because that means lower premiums. Being convicted of DUI, involved in a car crash, cited for a traffic infraction makes you a greater liability, and insurers penalize such drivers by giving them higher rates.
These are the tips on how you can maintain a clean driving record:
- Adhere to all traffic laws when driving
- Don’t drive under the influence of alcohol and drugs.
- Drive less or whenever necessary
- Keep your vehicle in a good state or well-maintained to minimize the risk of crashing.
Increase Your Deductibles
Choosing a higher deductible will lower your annual premium rates by some percentage points. A deductible is an amount you pay out of pocket when filing a claim or after a car crash. Based on your policy, the deductible can range between $250 and $1,000.
Therefore, ask your insurance agent what percentage your premium is likely to drop if you were to increase your deductible. Another way is by covering your minor claims out of pocket instead of filing them.
Spartanburg SC Car Insurance For Drivers With A Good Record
Maintaining a good driving record is a good way of getting lower insurance premiums in the market. The best car insurance companies in Spartanburg, SC, consider such drivers as less risky because they are not likely to engage in an auto accident in the future. However, a driver with several speeding tickets, DUIs, and car accidents on their record are more likely to break the traffic laws in the future.
So good drivers get more benefits such as discounts and lower rates to encourage them to avoid any violations or causing an at-fault accident.
The following are three insurance policies that drivers with a good record can consider, and because of lower premium rates and good discounts, these drivers can easily afford them.
- State minimum insurance: It is the minimum liability insurance coverage that you need to drive in the Spartanburg, SC, area.
- Standard coverage: It comprises the minimum liability insurance, uninsured motorist insurance, and collision coverage.
- Full coverage: It has property and bodily injury liability coverage, uninsured motorist coverage, collision coverage as well as comprehensive coverage.
Here are cheap car insurance Spartanburg SC companies offering full coverage:
|Insurance Company||Full Coverage|
Spartanburg SC Cheap Car Insurance Quotes For Young Drivers
Drivers aged 40 and below are rated as young drivers in the Spartanburg, SC, area. Generally, young drivers have low experience and more likely to get involved in an auto accident, thus riskier than those of other age groups. For that reason, these drivers pay a higher premium, although these rates decrease as they gain more experience on the road.
Spartanburg auto insurance companies are not allowed by the law to calculate insurance premiums based on drivers’ level, education, or age. So young drivers can still get affordable car insurance quotes in Spartanburg, SC, save more money, and feel relaxed as they gain more driving experience.
Based on the below table, SC Farm Bureau and Geico offer young drivers lower insurance rates.
|SC Farm Bureau||$2,287|
Cheapest Minimum Coverage For Young Good Drivers In Spartanburg SC
Liability coverage is the basic coverage, hence lower rates. It’s the coverage that one should have when driving in the Spartanburg, SC area. It’s important to have a higher coverage limit because it takes a moment of distraction, and you find yourself hitting another car, or you can be hit by an irresponsible motorist who has not enough coverage or no insurance at all.
So if possible, a good young driver should increase their coverage limit. They can shop around for cheap auto insurance from Spartanburg SC companies with affordable rates.
If not, a young good can still purchase a state minimum coverage but drive less to reduce the risk of getting involved in an auto crash or getting cited for breaking traffic rules.
The following Spartanburg auto insurance companies have lower average rates:
Cheap Car Insurance In Spartanburg SC After A Speeding Ticket
The best car insurance companies in Spartanburg, SC, avoid drivers with even minor driving violations such as speeding tickets because they are a greater liability. They may also penalize them by charging them higher insurance premiums. For instance, a driver with a traffic violation such as a speeding ticket can be charged on average $1,365 a year, which is $224 higher than those with a clean driving record.
So drivers should avoid speeding because higher mph will give you additional points on your license, which raises as the number of speeding tickets increases, which translates to a higher insurance premium. Thus your need for speed will give you a speeding ticket, and this will increase your car insurance budget.
The following are cheap car insurance Spartanburg SC companies for drivers with a speeding ticket:
Cheap Car Insurance In Spartanburg SC After A Car Accident
It’s a big challenge for drivers with an at-fault accident on their driving history to find a cheap auto insurance Spartanburg SC company. Regardless of whether it was just a small and harmless accident, insurers will still charge you more because that makes you a risky driver.
The reason is that insurance companies want to protect themselves by charging you more premiums. While you can clean your record by paying a one-time fee and get accident forgiveness, safe driving remains the most effective strategy towards affordable car insurance quotes in Spartanburg, SC.
On the following table, State Farm offers cheap car insurance in Spartanburg, SC, area. Its rate on full coverage auto insurance premium is 54% lower than the $3,023 per annum statewide average.
|SC Farm Bureau||$2,265|
Cheap Auto Insurance Quotes In Spartanburg SC After A DUI
DUIs have a serious impact on several facets of life hence the severe repercussions of driving under the influence. Actually, a DUI instantly gets you into the category of risky drivers.
One of the consequences of DUIs is financial, and this touches on your insurance premiums. Insurance companies personalize you by charging you a higher premium. For instance, you will pay $1,190 more a year after getting a DUI compared to a driver with a clean record.
You may try to the fallout of a DUI, but this is a long process comprising SR-22 filing, reinstatement fees, court fines, and increased premium.
Further, the DUI can last between 3 to 5 years or more, and the insurance premium may remain high depending on your insurance carrier.
The following are affordable car insurance quotes from Spartanburg SC, for drivers with a DUI.
|SC Farm Bureau||$2,672|
Cheap Auto Insurance Quotes In Spartanburg SC For Minimum Coverage
Minimum liability coverage is a state minimum auto insurance. This is the cheapest policy that you can use to cover your vehicle, although it has inadequate limits and can leave you on a financial hook. However, it helps you meet your state minimum requirements.
The minimum coverage doesn’t have a collision and comprehensive insurance coverage. Therefore, it’s likely that you will have a huge financial burden when you get involved in a car crash or when it’s damaged by extreme weather, vandalized, or stolen.
Based on the following table, Geico charges $489 per annum and USAA $572 per annum. The two companies offer affordable car insurance quotes in Spartanburg, SC, for minimum coverage.
Cheap Car Insurance Companies In Spartanburg SC For Drivers With Bad Credit Score
Spartanburg car insurance companies use factors such as age, the year, make and model of vehicle, as well as your location when determining your insurance premium. They also consider your credit score because it helps them decide whether or not you will promptly pay the monthly premiums.
On average, the best auto insurance companies Spartanburg SC, charges drivers with good credit scores of $95 a month while those with poor credit scores pay $142 a month.
According to the following table, Nationwide charges drivers with poor credit scores $1,672 per annum, and Geico charges $1,865 per annum.
However, drivers with poor credit scores should shop around for better rates as they work on improving their credit history.
Cheapest Auto Insurance Companies In Spartanburg SC For Seniors
According to the NHTSA, senior drivers aged 65 are responsible for 13.8% of all fatal accidents in South Carolina. So these drivers are a greater liability to insurance companies hence the higher premiums. Actually, seniors pay $1,192 per annum on average, while a 40-year old driver pays $53 less.
The reason behind these auto accidents is the lapsed judgment and potential for slower reaction times while on the road. So their health, the type of vehicle they drive, driving frequency, and history are crucial factors when calculating insurance premium for this category.
Also, regardless of a person’s age, in South Carolina, a driver is expected to renew their license every eight years.
Based on the following table, Geico charges senior drivers $865 a year while USAA charges $982 per year. Senior drivers should shop around before renewing their car insurance policy. This can help them get cheap car insurance in Spartanburg, SC, for seniors.
Who Offers A Cheap Car Insurance In Spartanburg SC For Married Couples?
Generally, married couples pay more for their car insurance premium because there is a likelihood of having more than one driver on the auto insurance policy. The same policy may have some teen drivers whom insurers consider a greater liability, and the married couple may have more than one car.
So on average, Spartanburg auto insurance companies charge married couples $125 per month, and single drivers pay $108 per month.
On the other hand, married drivers are likely to pay slightly lower compared to single drivers. By shopping around and comparing rates with multiple insurance companies, married couples can get cheap auto insurance in Spartanburg, SC, such as Geico and Travelers shown in the below table.
So a married driver can pay on average $1,915, which is $156 lower than the $2,071 that single drivers pay on average.
|Company||Married Couple Rates|
What Are The Different Types Of Spartanburg Auto Insurance Coverage?
It’s important to understand the different types of car insurance coverage in Spartanburg car insurance companies are offering so that you can purchase the right one for you. The following are basic car insurance types in Spartanburg, SC, what they cover and how they work.
This is a state minimum requirement to drive a car. The coverage doesn’t cover the policyholder but third parties expenses and property damages stemming from an accident that you are the at-fault driver but up to the policy limit.
This coverage pays for damages stemming from an auto crash or those incurred when driving your cars, such as hitting an object like a fence or lamppost. It’s a requirement when your vehicle is leased or financed. In most instances, insurers pair collision and comprehensive insurance coverage and add to the standard insurance policy to enhance protection.
Underinsured Motorist Insurance
The coverage protects you against a driver without sufficient insurance limit to cover your damages stemming from an auto accident that they are caused. So an underinsured driver has liability insurance, but it has insufficient liability limits to take care of your bills after an accident.
The breakdown cover is designed to get you back on the road after a breakdown. The service provider will either solve the problem over the phone or dispatch a roadside contractor who will tow or mobilize the vehicle to the nearest mechanic.
The roadside assistance services comprise battery replacements, jumpstarts, tire changes, breakdown tows, emergency fuel or oil, as well as key recovery.
The coverage covers other damages apart from a collision with another car. These damages include vandalism, fire, falling objects such as hail or trees. Comprehensive insurance coverage is mandatory when you are leasing or financing your vehicle.
Uninsured Motorist Insurance
The uninsured motorist insurance coverage protects the policyholder from an auto accident with an at-fault driver without liability insurance. That means the add-on coverage pays for your injuries and those of your passengers and, in some instances, for property damages when hit by an uninsured at-fault motorist. Both underinsured and uninsured motorist insurance coverage is mandatory in some states and is added to the standard auto insurance policies.
Major Parts Replacement Coverage
The coverage allows you to replace major parts such as brakes, tires, and batteries without charge and regardless of their depreciation value, wear and tear at the time of the accident.
A regular insurance policy covers the depreciated value of your car or pays you the current value of your vehicle in the event of an accident. This value is less if the vehicle was financed and the loan amount is higher than the market value of your car itself.
Therefore this coverage pays the difference between the regular insurance payment and the amount you owe on it.
Rental Reimbursement Insurance
The coverage helps you keep moving while your car is in a repair shop after an accident, regardless of who is at fault. So the rental reimbursement insurance pays for a rental car or public transportation cost until your vehicle is back on the road.
Medical Payments Coverage
This type of insurance coverage pays medical and funeral expenses for the policyholder, family members driving the car, as well as any passengers after an auto accident regardless of who was at fault. Also, the coverage follows the policyholder or remains active whether they are riding in someone else’s car, walking, or in public transportation.
Personal Injury Protection Coverage
The coverage pays medical bills for you and your passengers after a car accident. It also covers you when you’re a passenger in another car or when you’re a pedestrian or a cyclist and a car hits you. The coverage pays for car-related injuries, some of which are excluded in a traditional health insurance policy and those not covered by medical payment coverage.
Some of these services are:
- Lost wages
- Funeral expenses
- Accident death benefits
- Ongoing professional care
- Home care expenses like house cleaning and childcare
Classic Car Insurance
A classic or antique car needs insurance coverage that reflects its value and uniqueness. This special coverage doesn’t cover ordinary cars but collectible, classic, or antique because regular auto insurance may not sufficiently protect them in the event of an accident or theft.
A car whose value exceeds its selling price is collectible and requires specialized car insurance. These cars are at least 25 to 30 years old and comprise hotrods, muscle cars, classic trucks, exotic and luxury autos, and modified vehicles.
New Car Replacement
When a car accident happens, and your vehicle is totaled, the insurer decides the amount they will pay for a replacement. As a result, you may need to top up a lot of money to get a brand new car. So getting a new car replacement on top of basic insurance coverage will protect you in the event of a severe accident because the add-on insurance replaces your totaled car with a brand new one of the same make and model less deductible.
Original Parts Replacement
The add-on coverage allows you to repair damaged parts of your vehicle using the original manufacturer parts because they meet the highest quality standards. However, when these parts are no longer in production or available for your car, the mechanic can use reconditioned or comparable parts.
Towing and Labor Insurance
This insurance coverage will cover the cost of towing your vehicle to the nearest repair shop in addition to labor costs at the scene of the breakdown. A driver can have this add-on coverage only when they have comprehensive and collision insurance as part of the policy.
The following are the services covered under towing and labor insurance coverage:
- Battery services
- Tire changing
- Oil, gas, and water delivery
- Lockout services
Is Spartanburg SC Auto Insurance A No-Fault?
Many states in the US apply the traditional “fault” system when determining the person who is going to be responsible for losses such as injuries, vehicle damage, and lost income as a result of a car accident. South Carolina is one of those states, and therefore the insurer of the at-fault driver absorbs those losses but up to the policy limit.
The injured person can proceed in any of the three ways:
- File a claim through their own insurer, who then pursue a subrogation claim against the insurance companies of the at-fault driver.
- File a third-party claim directly with the insurer of the at-fault driver.
- File a personal injury lawsuit against the at-fault driver.
These steps are not applicable in no-fault car insurance states. Instead, each driver, regardless of who was at fault, turns to their personal injury protection coverage that covers the medical bills and other losses.
However, a claimant can step outside of no-fault when their injuries reach a given threshold and file a claim directly with the at-fault driver insurance carrier.
Since South Carolina is an at-fault state, all its drives have to follow the above three ways in the event of an in-state accident.
Ways To Reduced Rates In Spartanburg SC Car Insurance
Drivers want to have the best coverage at an affordable price from the best auto insurance companies in Spartanburg, SC. However, you shouldn’t sacrifice quality for a few dollars because there are several ways of lowering your car insurance’s annual premium.
The following tips will help you to lower your insurance rates in the Spartanburg SC area:
- Bundle your auto insurance with policies such as homeownership, etc.
- Raise your deductibles
- Drive less
- Pay your annual car insurance premium in full.
- Monitor how your insurance premiums changes
- Shop around for better rates
Good Drivers Car Insurance Discounts In Spartanburg SC
Insurance companies reward good drivers with numerous discount options. These lower their insurance premium compared to drivers with DUIs, speeding tickets, or car crashes on their driving history.
The following are some of the discounts a good driver can get from the best auto insurance companies in Spartanburg, SC:
- Anti-theft device
- Anti-lock brake
- Defensive driver
- Economy car discount
- Farm vehicle
- Full pay
- Good student
- Multiple cars
- Multiple policies
- New car discount
- Passive restraint
- Resident student
- Safe driver
- Senior adult
- Utility discount
- Vehicle safety
Car Insurance Spartanburg SC Questions And Answers
How Does a Car Insurance Deductible Work?
In each car insurance policy, a person has to choose the coverage limit and deductible. A deductible you pay out of pocket when you file a claim after an accident. The range ranges between $250 and $1,000. A higher deductible can lower your insurance rate, and a lower deductible can increase your rate.
Is Auto Insurance Mandatory?
Yes. It’s mandatory to have auto insurance in every American state; however, the insurance-carrying laws vary from state to state. So ensure you have the right insurance when you relocate from one state to the other. You can find these details on your state government’s transportation website.
Is it worth having Collision Insurance on Old Car?
You should always have collision insurance coverage unless the cost of the collision insurance exceeds 10% of the value of your vehicle. Even so, continue to purchase this add-on coverage if at all you can afford it because you will pay a lot more in the event you are involved in an accident that you’re at fault.
I already have Health Insurance. Why Should I Get Medical Payment Coverage on My Auto Insurance Policy?
There are certain services that traditional health insurance doesn’t cover, and that is when the medical payment coverage comes in to take care of such bills. These include emergency transportation bills like the private ambulance providers, acupuncturists, chiropractors, massage therapy, among others.
Also, some doctors are not willing to wait until your claim is fully resolved and so the medical payment coverage through your auto insurer pays the bills hence eliminating the pressure to rush the personal injury claim.
How Do Auto Insurance Companies Determine Quotes?
A team of experts analyzes statistical data and passes it through complex algorithms to determine the likelihood of insured people getting involved in car accidents. Next, the insurance company compares your profile information with the data they have generated for many years to determine the probability of getting into an accident and how much you should pay for your premium.
Some of the details Spartanburg car insurance companies use are the year, make and model of your car, your age, driving experience, driving history, credit score, marital status, and more.
How Do Insurance Companies Assess My Risk?
They use Risk Assessment Indicator, a numerical score that relies on credit report information and predicts future claim activities that help insurers charge premiums based on how risky a policyholder is.
Will My Auto Insurance Policy Cover Me in a Rental Vehicle?
Yes. This is possible, but it depends on the value of the two vehicles. It will cover you if they are of similar value. Further, add collision and comprehensive insurance coverage to your standard insurance policy if you anticipate using a rental car in the future. The two coverages are a requirement for rental or financed vehicles.
Why Does Occupation Affect Car Insurance?
Yes. You’re more likely to make a claim when you drive your vehicle for work purposes. Further, some occupations are riskier such as a rally driver, while others are not, such as a retiree. So such factors are likely to increases your insurance premiums.
What Can I Do to Lower My Auto Insurance Costs?
Insurance companies calculate premiums using individual driver’s profiles. However, there are things that you change in your profile to lower your auto insurance costs. These include:
- The year, make, and model of your vehicle can raise or lower your insurance premium. Therefore switch to a vehicle that is cheaper to insure.
- At times you may feel that you don’t want to change your car, but there are certain modifications that you can do to it to lower its premium. These are installing anti-theft devices, anti-lock brakes, and other safety features.
- Select a higher deductible
- Drive safely or change your driving habits
- Make sure your coverage doesn’t lapse.
- Cut the time you spend on the road to minimize the risks of getting involved in a car rash, speeding tickets, or DUIs.