Bluffton, SC Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Bluffton, SC, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Factors that can influence the cost of car insurance in Bluffton, SC are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Bluffton, SC Auto Insurance Rates
- Bluffton, SC Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Bluffton, SC
- Multi Vehicle Insurance Savings in Bluffton, SC
- How Credit Score Affects Car Insurance Rates in Bluffton, SC
- How DUI Affects Auto Insurance Premiums in Bluffton, SC
- Top Auto Insurance Agents Near Bluffton, SC
- How Driving Violations Affect Auto Insurance Rates in Bluffton, SC
- Bluffton, SC Auto Insurance Discounts on Anti Theft Feature
- Bluffton, SC Auto Insurance Company Reviews
Bluffton, SC Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Bluffton, SC with that of other cities in and around Bluffton.
| Bluffton | Beaufort County | Burton | Hardeeville | Port Royal | Shell Point | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $999 | $1,586 | $1,430 | $1,445 | $1,518 | $1,449 |
Bluffton, SC Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Bluffton, SC based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Bluffton | $1,321 | $1,116 |
| Hardeeville | $1,674 | $1,414 |
| Hilton Head Island | $2,583 | $2,182 |
| Shell Point | $1,010 | $853 |
| Port Royal | $1,617 | $1,366 |
| Beaufort County | $1,886 | $1,593 |
| Burton | $1,284 | $1,085 |
| Beaufort-Port Royal | $1,446 | $1,221 |
Bluffton, SC Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Bluffton, SC usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $3,242 |
| 20 Years | $1,284 |
| 30 Years | $989 |
| 40 Years | $951 |
| 50 Years | $881 |
| 60 Years | $893 |
| 70 Years | $1,040 |
Bluffton, SC Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Bluffton, SC can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $1,738 | $260 |
| 3 Vehicles | $2,607 | $390 |
| 4 Vehicles | $3,477 | $519 |
Savings on 2 Vehicles bundle:$260
Savings on 3 Vehicles bundle:$390
Savings on 4 Vehicles bundle:$519
Bluffton, SC Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Bluffton, SC.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Bluffton | $999 | $1,509 |
| Hardeeville | $1,445 | $2,183 |
| Hilton Head Island | $965 | $1,458 |
| Shell Point | $1,449 | $2,189 |
| Port Royal | $1,518 | $2,294 |
| Beaufort County | $1,586 | $2,396 |
| Burton | $1,430 | $2,161 |
| Beaufort-Port Royal | $1,468 | $2,218 |
Bluffton, SC Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $857 |
| Excellent (740-799) | $978 |
| Good (670-739) | $1,041 |
| Average (580-669) | $1,358 |
| Poor (300-579) | $1,629 |
Bluffton, SC Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Stephen Helwig | Allstate | 42 New Orleans Rd Ste 100, Hilton Head Island, 29928 | (843) 842-2100 |
| Coastal Plains Insurance Llc | Travelers | 15 BOW CIR, HILTON HEAD ISLAND, 29928 | 843-785-7733 |
| Pc & L Agency Inc | Travelers | 12 Lafayette Pl 12 Lafayette Pl , Hilton Head Island, 29926 | None |
| Downing & Gayle Insurance Services Inc | Travelers | 50 PALMETTO BAY RD, HILTON HEAD ISLAND, 29938 | 843-785-2101 |
| Kinghorn Insurance Agency Llc | None | 1544 Fording Island Rd , Hilton Head Island, 29926 | None |
| Avex Insurance | None | 213 William Hilton Parkway Ste 22775 , Hilton Head Island, 29926 | None |
Bluffton, SC Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$44 | $1,043 |
| Driver's Failure In Showing Documents | +$97 | $1,096 |
| Driving With An Expired Registration | +$103 | $1,102 |
| Driving At A Considerably Slow Pace | +$217 | $1,216 |
| Using A Cellphone While Driving | +$229 | $1,228 |
| Running A Red Light | +$233 | $1,232 |
| Speeding | +$245 | $1,244 |
| Driving A Vehicle Without The Required Permission | +$311 | $1,310 |
| Driving With An Expired/Suspended License | +$673 | $1,672 |
Bluffton, SC Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $959 |
| Active Disabling Device | $959 |
| Tracking Device | $939 |
| Passive Disabling Device | $929 |
Latest Auto Insurance Reviews in Bluffton, SC | Back to Top
ProgressiveProgressive has a wide range of policy offerings that really pertained to my family. Our main vehicle has almost the best policy you can get. Progressive offers anything from liability to rental cars.
AllstateIt was a little more expensive, however, I am willing to pay a little bit more for the great quality of service that I have been getting.
Safeco InsuranceI only have limited tort with my car insurance but they offer a $40 refund on towing and road side assisstance which i like. I also like the affordable payments per month.
State FarmThe customer service is fantastic, there is never a time that we call and have to talk to a computer or be put on hold for a long period of time.
ProgressiveGetting quotes from many different companies progressive had the best price and deductible offerings they also had more options.
Progressivei would recommend progressive because after 24 years of driving i have not found a better price and they have great service.