Want to know an easy way to compare lower-priced car insurance rates in Spartanburg, SC? Searching for low-cost insurance for your car in South Carolina could be an all-consuming task, but you can learn our car insurance buying tips to save time.

There are more efficient ways to shop for car insurance so we're going to tell you the proper way to compare rates for your and find the best price possible from both online companies and Spartanburg agents.

You should take the time to price shop coverage periodically because insurance rates tend to go up over time. If you had the lowest rate on car insurance a few years ago you can probably find a better price now. Forget anything you know (or think you know) about car insurance because we're going to demonstrate the fastest and easiest way to eliminate unnecessary coverages and save money on car insurance.

Low-cost companies for Spartanburg auto insurance

The providers in the list below provide price quotes in South Carolina. If multiple companies are listed, we suggest you get rate quotes from several of them to get a more complete price comparison.

Insurance Rates for Popular Vehicles in Spartanburg
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LS Regular Cab 2WD $1,316 $658 $110
Dodge Ram Quad Cab Laramie 2WD $1,340 $670 $112
Ford Edge SEL 2WD $1,180 $590 $98
Ford Escape XLS 2WD $1,144 $572 $95
Ford F-150 Lariat Crew Cab Harley 4WD $1,148 $574 $96
Ford Focus SE 4-Dr Sedan $1,324 $662 $110
Honda Accord EX-L 2-Dr Coupe $1,316 $658 $110
Honda CR-V LX 2WD $1,022 $511 $85
Honda Civic EX-L 4-Dr Sedan $896 $448 $75
Jeep Grand Cherokee Laredo 4WD $952 $476 $79
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $1,018 $509 $85
Kia Optima LX $1,128 $564 $94
Mazda 3 I Touring 4-Dr Sedan $1,252 $626 $104
Nissan Altima 3.5 SR 4-Dr Sedan $1,258 $629 $105
Toyota Camry XLE $1,286 $643 $107
Toyota Corolla LE $972 $486 $81
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Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Price estimates do not factor in vehicle garaging location which can increase or decrease coverage rates substantially.

Drive safe and save

The chart below highlights how speeding tickets and fender-benders impact Dodge Ram car insurance costs for different insured age categories. The data is based on a married female driver, full coverage, $250 deductibles, and no policy discounts are applied.

Dodge Ram rates are for example purposes only. To get rates for your specific vehicle, click here.

Policy deductible comparison

A question often asked by Spartanburg drivers is how high should the physical damage deductibles be. The comparisons below may aid in understanding the differences in premium rates when you buy lower versus higher physical damage coverage deductibles. The first set of rates uses a $100 deductible for comp and collision and the second price table uses a $500 deductible.

Chevrolet Malibu rates are for example purposes only. To get rates for your specific vehicle, click here.

Chevrolet Malibu insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Malibu LS $294 $530 $342 $20 $102 $1,313 $109
Malibu Hybrid $294 $530 $342 $20 $102 $1,313 $109
Malibu LT $332 $530 $342 $20 $102 $1,351 $113
Malibu LTZ $332 $624 $342 $20 $102 $1,445 $120
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Chevrolet Malibu insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Malibu LS $214 $358 $342 $20 $102 $1,036 $86
Malibu Hybrid $214 $358 $342 $20 $102 $1,036 $86
Malibu LT $242 $358 $342 $20 $102 $1,064 $89
Malibu LTZ $242 $422 $342 $20 $102 $1,128 $94
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and South Carolina minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Premium amounts do not factor in zip code location which can alter premiums greatly.

We can estimate from the data above that using a $100 deductible would cost the average driver about $24 more each month or $288 a year than quoting the higher $500 deductible. Since the policyholder would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you go more than 17 months between claims, you would probably save some money if you elect the higher deductible.

Male drivers compared to female drivers

The illustration below visualizes the comparison of auto insurance rates for male and female drivers in Spartanburg. The data is based on no accidents or driving violations, comprehensive and collision coverage, $1,000 deductibles, marital status is single, and no discounts are taken into consideration on a Chevrolet Malibu LS.

Chevrolet Malibu rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Get affordable insurance with discounts

Companies offering auto insurance do not advertise all possible discounts very clearly, so we took the time to find some of the best known as well as some of the hidden discounts that you may qualify for.Cheaper insurance with discounts

As is typical with insurance, some credits don't apply to all coverage premiums. Most only reduce individual premiums such as comp or med pay. If you do the math and it seems like adding up those discounts means a free policy, companies don't profit that way. But all discounts will cut your overall bill.

To find insurance companies who offer insurance discounts in Spartanburg, follow this link.

When to get advice from an agent

Some people prefer to get advice from a local agent and there is nothing wrong with that. Experienced insurance agents are very good at helping people manage risk and help in the event of a claim. A nice benefit of comparing rates online is that you can obtain cheap insurance rates and also buy local. Buying from local insurance agents is definitely important in Spartanburg.

Once you complete this short form, the coverage information is sent to companies in Spartanburg who will give you quotes and help you find cheaper coverage. You won't need to even leave your home because quoted prices will be sent instantly to you. If you wish to compare prices for a specific company, don't hesitate to find their quoting web page and give them your coverage information.

Picking the best insurance company requires more thought than just a cheap quote. The questions below may impact your decision as well.

Insurance in the media

Consumers in South Carolina can't get away from ads that promise big savings from the likes of State Farm, GEICO and Progressive. They all seem to make an identical promise that drivers will save a bundle if you get a free Spartanburg auto insurance quote and switch your coverage to them.

But how can every company offer drivers better rates? This is how they do it.

Most companies quote the lowest rates for the type of customer that makes them money. For instance, a desirable insured could possibly be over the age of 50, has never had a claim, and drives less than 10,000 miles a year. Any driver that matches those criteria receive the lowest rate quotes in Spartanburg and as a result will probably pay quite a bit less when switching companies.

Consumers who may not quite match the ideal profile will see a higher rate and this results in the customer not buying. The ads state "customers that switch" not "everyone that quotes" save that much money. That's the way companies can truthfully make the claims of big savings.

This really emphasizes why you really need to get price quotes at each policy renewal. It's just too difficult to predict which company will have the lowest insurance in Spartanburg.

Get the best coverage at the lowest price

We just presented quite a bit of information on how to find cheaper coverage online. The key concept to understand is the more you quote Spartanburg auto insurance, the higher your chance of finding cheap Spartanburg auto insurance quotes. You may even discover the best price on car insurance is with a company that doesn't do a lot of advertising.

Cheaper car insurance in Spartanburg can be bought online in addition to many Spartanburg insurance agents, so you need to quote Spartanburg auto insurance with both to get a complete price analysis. Some insurance companies don't offer the ability to get quotes online and many times these smaller providers sell through local independent agencies.

When searching for affordable Spartanburg auto insurance quotes, don't be tempted to skimp on critical coverages to save a buck or two. There are too many instances where consumers will sacrifice uninsured motorist or liability limits only to discover later that their decision to reduce coverage ended up costing them more. Your objective should be to get the best coverage possible at the best cost.

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