Folly Beach, SC Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Folly Beach, 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 Folly Beach, 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.
- Folly Beach, SC Auto Insurance Rates
- Folly Beach, SC Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Folly Beach, SC
- Multi Vehicle Insurance Savings in Folly Beach, SC
- How Credit Score Affects Car Insurance Rates in Folly Beach, SC
- How DUI Affects Auto Insurance Premiums in Folly Beach, SC
- Top Auto Insurance Agents Near Folly Beach, SC
- How Driving Violations Affect Auto Insurance Rates in Folly Beach, SC
- Folly Beach, SC Auto Insurance Discounts on Anti Theft Feature
Folly Beach, SC Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Folly Beach, SC with that of other cities in and around Folly Beach.
| Folly Beach | Kiawah Island | Sullivan's Island | Kiawah Island-Seabrook Island | Johns Island | James Island | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,876 | $2,665 | $2,534 | $2,155 | $1,566 | $1,588 |
Folly Beach, 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 Folly Beach, 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) |
|---|---|---|
| Folly Beach | $1,434 | $1,211 |
| James Island | $1,165 | $984 |
| Johns Island | $2,335 | $1,972 |
| Kiawah Island | $2,311 | $1,952 |
| Kiawah Island-Seabrook Island | $2,140 | $1,808 |
| Charleston County | $1,820 | $1,537 |
| Charleston Central | $1,366 | $1,154 |
| Sullivan's Island | $1,714 | $1,448 |
Folly Beach, SC Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Folly Beach, 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 | $6,087 |
| 20 Years | $2,410 |
| 30 Years | $1,857 |
| 40 Years | $1,786 |
| 50 Years | $1,654 |
| 60 Years | $1,677 |
| 70 Years | $1,952 |
Folly Beach, SC Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Folly Beach, 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 | $3,302 | $450 |
| 3 Vehicles | $4,953 | $675 |
| 4 Vehicles | $6,604 | $900 |
Savings on 2 Vehicles bundle:$450
Savings on 3 Vehicles bundle:$675
Savings on 4 Vehicles bundle:$900
Folly Beach, 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 Folly Beach, SC.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Folly Beach | $1,876 | $2,835 |
| James Island | $1,588 | $2,399 |
| Johns Island | $1,566 | $2,366 |
| Kiawah Island | $2,665 | $4,027 |
| Kiawah Island-Seabrook Island | $2,155 | $3,256 |
| Charleston County | $1,578 | $2,384 |
| Charleston Central | $1,778 | $2,687 |
| Sullivan's Island | $2,534 | $3,829 |
Folly Beach, 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) | $1,610 |
| Excellent (740-799) | $1,837 |
| Good (670-739) | $1,955 |
| Average (580-669) | $2,550 |
| Poor (300-579) | $3,060 |
Folly Beach, 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 |
|---|---|---|---|
| Gail Williamson | State Farm | 1715 Rittenbrg Blvd, Charleston, 29407-4924 | 843-769-5000 |
| King Street Agency | Liberty Mutual Independent | 557 KING ST STE D, CHARLESTON, 29403 | (843) 408-4232 |
| The Brinson Agency | Travelers | 759 FOLLY RD STE C, CHARLESTON, 29412 | 843-762-2086 |
| Lee Demarest | Allstate | 1890 Sam Rittenberg Blvd, Charleston, 29407 | (843) 763-4573 |
| Harrell Insurance Agency | None | 2000 Sam Rittenberg Blvd 2000 Sam Rittenberg Blvd, Charleston, 29407 | None |
| John Acker | State Farm | 630 Skylark Drive Suite O, Charleston, 29407-1718 | 843-203-6855 |
| Urquit Morris | State Farm | 1700 Ashley River Rd, Charleston, 29407-5904 | 843-556-4111 |
| 1st Capital Insurance Llc | Travelers | 790 JOHNNIE DODDS BLVD STE 100, MOUNT PLEASANT, 29464 | 843-216-2772 |
| Sadler & Hamm Inc | None | 22 Windermere Blvd Ste A, Charleston, 29407 | None |
| Sadler & Hamm Inc | None | 22 Windermere Blvd Ste A, Charleston, 29407 | None |
| Mappus Insurance Agency Inc | Travelers | 1032 Savannah Highway, Charleston, 29407 | None |
| C T Lowndes & Company | Liberty Mutual Independent | 749 SAINT ANDREWS BLVD, CHARLESTON, 29407 | 843-763-0120 |
Folly Beach, 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 | +$83 | $1,959 |
| Driver's Failure In Showing Documents | +$182 | $2,058 |
| Driving With An Expired Registration | +$193 | $2,069 |
| Driving At A Considerably Slow Pace | +$407 | $2,283 |
| Using A Cellphone While Driving | +$430 | $2,306 |
| Running A Red Light | +$437 | $2,313 |
| Speeding | +$460 | $2,336 |
| Driving A Vehicle Without The Required Permission | +$583 | $2,459 |
| Driving With An Expired/Suspended License | +$1,264 | $3,140 |
Folly Beach, 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 | $1,801 |
| Active Disabling Device | $1,801 |
| Tracking Device | $1,763 |
| Passive Disabling Device | $1,745 |