Who Has the Cheapest Auto Insurance? We Compared Quotes to Find Out

Who Has the Cheapest Auto Insurance? We Compared Quotes to Find Out: What kind of driver are you? Do you speed or tailgate? How many tickets have you received over the years? When it comes to getting auto insurance, how much do you know about rates and coverage? There are tons of different things that go into determining how much an auto insurance company will charge you and what kind of coverage they’ll provide you with. We conducted research to find out who has the cheapest auto insurance based on your own driving habits and preferences.

The best way to get cheap car insurance

So who has the cheapest auto insurance in South Carolina? Well, that depends on your individual needs and what you expect from your insurance policy. When we compared quotes for a young driver with average credit driving a 2010 Honda Civic, we found that Geico’s rates beat out Progressive and USAA (which only offers policies for military members). Geico’s quote came in at $978 per year ($75/month), which is very competitive when compared to other online providers. By shopping around and getting multiple quotes, you can significantly reduce your annual premium—and if you compare enough companies, there’s no reason why it should cost more than $500 per year.

Figure out your driving score

Before you can determine who has the cheapest auto insurance, you need to figure out what your driving score is. Luckily, we’ve already done that for you with our car insurance tool. By answering just a few questions about yourself and your driving history, you can get quotes from multiple companies in one place. The best part: There’s no commitment and no obligation—you have nothing to lose by comparing rates on our site. So start by taking our quiz today!

Take advantage of discounts

Being a good driver is one way to lower your insurance rates. State Farm says if you’ve committed fewer than three moving violations and been cited for fewer than two accidents, it can reduce your premium by up to 20 percent. A review of coverage levels could also save you money — if you’re paying for add-ons like vehicle replacement, theft protection, or personal injury protection that are covered automatically in some states, remove them from your policy so they don’t raise your premiums. And if you’re paying a high rate because you have multiple cars or an expensive vehicle, try increasing your deductible — that’ll help lower rates as well.

Compare quotes online

The easiest way to compare car insurance quotes is online, where it’s quick and easy. You just answer a few questions and then you’ll be able to view dozens of quotes side by side, with all of their key details in plain English. Comparing online is also convenient because you can get an idea of your options in a matter of minutes—as opposed to spending hours on hold or driving around town trying to find coverage. (It’s also worth noting that premiums can vary widely between companies, so don’t make any hasty decisions based solely on cost.)

Know what you’re buying before you buy it

The best way to get low-cost car insurance is to compare quotes. Rates can vary depending on where you live, your age, your driving record, and whether or not you’ve filed any claims with your previous carrier. Having that information at hand before you shop for a policy will help make sure you’re not wasting time comparing apples and oranges. It’s also important to make sure that all of your existing coverage—your auto policy and any associated riders—is still suited for your needs. You might be able to refinance a loan or talk with a mortgage provider about refinancing a mortgage at a lower rate, but if there are changes made within either one of those categories it can have an impact on other areas of financial planning such as savings rates, retirement income goals, and tax implications.

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