Orangeburg, SC Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Orangeburg, 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 Orangeburg, 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.
- Orangeburg, SC Auto Insurance Rates
- Orangeburg, SC Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Orangeburg, SC
- Multi Vehicle Insurance Savings in Orangeburg, SC
- How Credit Score Affects Car Insurance Rates in Orangeburg, SC
- How DUI Affects Auto Insurance Premiums in Orangeburg, SC
- How Driving Violations Affect Auto Insurance Rates in Orangeburg, SC
- Orangeburg, SC Auto Insurance Discounts on Anti Theft Feature
- Orangeburg, SC Auto Insurance Company Reviews
Orangeburg, SC Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Orangeburg, SC with that of other cities in and around Orangeburg.
| Orangeburg | Edisto | Rowesville | Cordova | Brookdale | Orangeburg County | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,056 | $1,389 | $1,394 | $1,441 | $1,392 | $1,401 |
Orangeburg, 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 Orangeburg, 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) |
|---|---|---|
| Orangeburg | $1,812 | $1,530 |
| Wilkinson Heights | $1,405 | $1,187 |
| Brookdale | $1,680 | $1,419 |
| Orangeburg County | $1,441 | $1,217 |
| Edisto | $1,736 | $1,466 |
| Orangeburg West | $1,461 | $1,234 |
| Cordova | $1,711 | $1,445 |
| Rowesville | $1,229 | $1,038 |
Orangeburg, SC Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Orangeburg, 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 | $3,427 |
| 20 Years | $1,357 |
| 30 Years | $1,045 |
| 40 Years | $1,006 |
| 50 Years | $931 |
| 60 Years | $944 |
| 70 Years | $1,099 |
Orangeburg, SC Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Orangeburg, 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 | $1,859 | $253 |
| 3 Vehicles | $2,788 | $380 |
| 4 Vehicles | $3,717 | $507 |
Savings on 2 Vehicles bundle:$253
Savings on 3 Vehicles bundle:$380
Savings on 4 Vehicles bundle:$507
Orangeburg, 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 Orangeburg, SC.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Orangeburg | $1,056 | $1,596 |
| Wilkinson Heights | $1,389 | $2,099 |
| Brookdale | $1,392 | $2,103 |
| Orangeburg County | $1,401 | $2,117 |
| Edisto | $1,389 | $2,099 |
| Orangeburg West | $1,394 | $2,106 |
| Cordova | $1,441 | $2,177 |
| Rowesville | $1,394 | $2,106 |
Orangeburg, 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) | $906 |
| Excellent (740-799) | $1,034 |
| Good (670-739) | $1,100 |
| Average (580-669) | $1,436 |
| Poor (300-579) | $1,722 |
Orangeburg, 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 | +$46 | $1,102 |
| Driver's Failure In Showing Documents | +$102 | $1,158 |
| Driving With An Expired Registration | +$109 | $1,165 |
| Driving At A Considerably Slow Pace | +$229 | $1,285 |
| Using A Cellphone While Driving | +$242 | $1,298 |
| Running A Red Light | +$246 | $1,302 |
| Speeding | +$259 | $1,315 |
| Driving A Vehicle Without The Required Permission | +$328 | $1,384 |
| Driving With An Expired/Suspended License | +$712 | $1,768 |
Orangeburg, 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 | $1,014 |
| Active Disabling Device | $1,014 |
| Tracking Device | $993 |
| Passive Disabling Device | $982 |
Latest Auto Insurance Reviews in Orangeburg, SC | Back to Top
State FarmI have both my home and car through State Farm and I have fantastic customer service because of my agent. He has been with me for a long time and he knows me and what I have covered.
State FarmI have has Mercury insurance on my car in the past. This policy was very cheap. However, it was based out of California and just an agent in my area was licensed with them.
AllstateI never had any problems with my car so there was nothing to complain about. But i can say that their car insurance customer service is as worst as their home insurance.
AaaI haven't tried other providers, but AAA provides similar policies to other providers and offers discounts for bundling with their other services/insurance.
AllstateMy car insurance company's offerings are great when compared to other companies. My insurance company gives me great coverage for the price I pay.
AllstateI honestly have not shopped around. Most insurances will realize a client is being complacent and not go out of their way to offer better rates than their rivals.