Kershaw County, SC Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Kershaw County, 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.
Cost of Car Insurance in Kershaw County, SC
Auto insurance is a product purchased to protect oneself, one's family, and one's assets from the potential financial losses that can result from owning and operating a vehicle. There are a number of risks that are covered by auto insurance, including theft, vandalism, accidents, and damage from weather events. Car insurance can provide peace of mind in knowing that one is protected from these potential financial losses. Depending on the driver's needs, auto insurance firms offer a variety of auto insurance packages. These plans come with a wide range of costs and coverages from company to company. Follow the guidelines below if you're looking for the cheapest car insurance in Kershaw County, South Carolina.
1. Choose a high deductible
If you choose a high deductible, your car insurance costs will be lower. This is because you will be responsible for paying more out-of-pocket costs if you have an accident, and the insurance company will have to pay less. Therefore, they will charge you less for your premium. For instance, if your insurance has a $1,000 deductible and your motor accident costs $7,000 to fix, you are responsible for the first $1,000 while your insurer will pay the remaining amounts.
For example, in Kershaw County, South Carolina, drivers who choose a high deductible of $1,000 pay a premium of $1,241, whereas drivers who choose a deductible of $500 pay a premium of $1,469.
2. Maintain a high credit score
A high credit score indicates to insurers that you're a responsible borrower and are less likely to default on your payments. As a result, you may be able to get a lower interest rate on your car insurance policy. For example, in Kershaw County, SC, automobile owners with exceptional credit score pay $1,225, while those with bad or poor credit must pay $2,329 for their auto insurance in Kershaw County, SC. As a result, car owners must have a decent credit score to qualify for lower auto insurance rates in Kershaw County, South Carolina.
3. Driving Violations
Driving violations usually result in increased car insurance costs. Insurance companies typically use a driver's violation record as one factor in determining premium rates. Generally, the more severe the violation, the greater the impact on rates. For example, speeding is one driving violation affecting your car insurance cost. The faster you drive, the more you risk indulging in an accident. The more accidents you have, your car insurance will be more expensive. If you want to keep your car insurance costs down, avoid speeding. For instance, on average, Kershaw County, South Carolina, charges $1,428 for auto insurance. Owners of cars with a history of speeding must pay an additional $350, which makes it $1,778. Therefore, your insurance will cost more if you have a speeding ticket.
Factors that can influence the cost of car insurance in Kershaw County, 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.
- Kershaw County, SC Auto Insurance Rates
- Kershaw County, SC Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Kershaw County, SC
- Multi Vehicle Insurance Savings in Kershaw County, SC
- How Credit Score Affects Car Insurance Rates in Kershaw County, SC
- How DUI Affects Auto Insurance Premiums in Kershaw County, SC
- Top Auto Insurance Agents Near Kershaw County, SC
- How Driving Violations Affect Auto Insurance Rates in Kershaw County, SC
- Kershaw County, SC Auto Insurance Discounts on Anti Theft Feature
Kershaw County, SC Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Kershaw County, SC with that of other cities in and around Kershaw County.
| Kershaw County | Camden Northeast | Elgin | Boykin | Westville | Lugoff | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,428 | $1,383 | $1,444 | $1,421 | $1,460 | $1,444 |
Kershaw County, 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 Kershaw County, 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) |
|---|---|---|
| Kershaw County | $1,469 | $1,241 |
| Camden Northeast | $1,606 | $1,356 |
| Camden | $1,502 | $1,268 |
| Lugoff | $1,674 | $1,414 |
| Westville | $1,698 | $1,435 |
| Boykin | $1,698 | $1,435 |
| Elgin | $1,007 | $851 |
| Mount Pisgah | $1,437 | $1,214 |
Kershaw County, SC Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Kershaw County, 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 | $4,634 |
| 20 Years | $1,835 |
| 30 Years | $1,413 |
| 40 Years | $1,360 |
| 50 Years | $1,259 |
| 60 Years | $1,277 |
| 70 Years | $1,486 |
Kershaw County, SC Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Kershaw County, 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 | $2,428 | $428 |
| 3 Vehicles | $3,641 | $643 |
| 4 Vehicles | $4,855 | $857 |
Savings on 2 Vehicles bundle:$428
Savings on 3 Vehicles bundle:$643
Savings on 4 Vehicles bundle:$857
Kershaw County, 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 Kershaw County, SC.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Kershaw County | $1,428 | $2,158 |
| Camden Northeast | $1,383 | $2,090 |
| Camden | $1,433 | $2,165 |
| Lugoff | $1,444 | $2,182 |
| Westville | $1,460 | $2,206 |
| Boykin | $1,421 | $2,147 |
| Elgin | $1,444 | $2,182 |
| Mount Pisgah | $1,382 | $2,088 |
Kershaw County, 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) | $1,225 |
| Excellent (740-799) | $1,399 |
| Good (670-739) | $1,488 |
| Average (580-669) | $1,941 |
| Poor (300-579) | $2,329 |
Kershaw County, 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 |
|---|---|---|---|
| Kyle Cassidy | Allstate | 610 Highway 1 S Ste C, Lugoff, 29078 | (803) 438-2900 |
| Lawrence C Farley Agency | Nationwide | 798 Hwy 1 South, Lugoff, 29078-9176 | (803) 438-7200 |
| Dennis Arledge | Allstate | 2439 Main St, Elgin, 29045 | (803) 408-0004 |
| Huckaby & Associates | Travelers | 410 EVELYN DR, COLUMBIA, 29210 | 803-772-3773 |
| Kennedy Insurance Agency | Travelers | 501 Rutledge St, Camden, 29020 | None |
| Chris Spearman | State Farm | 7001 Saint Andrews Rd Ste A16, Columbia, 29212-1137 | 803-732-3800 |
| K. Brian Parks | Liberty Mutual | 131 Harbison Blvd Suite 170, Columbia, 29212 | 1-803-749-4064 |
Kershaw County, 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 | +$63 | $1,491 |
| Driver's Failure In Showing Documents | +$139 | $1,567 |
| Driving With An Expired Registration | +$147 | $1,575 |
| Driving At A Considerably Slow Pace | +$310 | $1,738 |
| Using A Cellphone While Driving | +$327 | $1,755 |
| Running A Red Light | +$333 | $1,761 |
| Speeding | +$350 | $1,778 |
| Driving A Vehicle Without The Required Permission | +$444 | $1,872 |
| Driving With An Expired/Suspended License | +$962 | $2,390 |
Kershaw County, 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 | $1,371 |
| Active Disabling Device | $1,371 |
| Tracking Device | $1,342 |
| Passive Disabling Device | $1,328 |