Cheap Car Insurance in Rock Hill, SC
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UPDATED: Jul 19, 2021
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Like many early American towns, Rock Hill can pin its development and growth on the railroad industry in the mid 1800’s. It celebrated its 100th birthday in 1952, and was a location of note for the Civil Rights Movement of the 1960’s. While the initial days of the Rock Hill economy was dominated by the railroad and the textile industry, the present-day economy is beginning to shift towards manufacturing and retail.
- Fun fact: did you know that Rock Hill has won 4 “100 Best Communities for Young People” awards and another 2 “All-American City” awards? Read up on Rock Hill by visiting here.
Auto Insurance Coverage Requirements in South Carolina
Driving legally in Rock Hill requires:
|Bodily Injury Liability||25,000/50,000||100,000/300,000|
|Property Damage Liability||25,000||50,000|
|Uninsured Motorist Bodily Injury||25,000/50,000||25,000/50,000|
|Medical Payments||Not required||2,000|
|Collision||Not required||250 deductible|
|Comprehensive||Not required||250 deductible|
South Carolina wants all of its drivers to be adequately protected, even those who only purchase the state mandatory minimums. That’s why Liability and Uninsured Motorist coverages are the legal requirement before you can drive.
The state average for South Carolina drivers runs at about $110 monthly for insurance premiums. However, savvy drivers in Rock Hill can get rates as low as $31/mo* if they do a good job shopping for the best deal. For more information on South Carolina car insurance, just keep reading.
Southern Farm Bureau, Allstate, and Nationwide seem to be offering the lowest rates in the Rock Hill metropolitan area. But do they also offer the most discounts? How is their customer service department rated? How easy is it to file a claim with them? These are all important questions to ask yourself when you’re shopping around for a policy.
Organizations which underwrite auto insurance plans consider various elements when establishing quotes, like gender, accident claims, your credit score, years of driving experience, and current insurance coverage and limits. Also bear in mind that premiums will alter from business to business. To make sure you are still being charged the most affordable fee, examine cheap Rock Hill auto insurance prices via the internet.
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Major Car Insurance Factors in Rock Hill
There are many ways that your car insurance rate might be calculated. But not all of it is out of your control; there are steps you can take to be able to influence which discounts you are eligible to receive. Listed here are a few of these factors in greater detail:
Your Zip Code
In many cases, the least expensive auto insurance is normally found in towns having a lower population density. Since there are less automobiles on the highway, there are a lot fewer chances to get into a serious auto accident with another individual. The population of Rock Hill is 69,103 and also the usual household earnings are $39,778.
Thankfully, accident statistics in Rock Hill are fairly low, especially considering the sizeable population. Why is it important to know about accident statistics? Because your insurance company may charge you higher rates for living in a zip code which suffers frequent accidents.
Auto Thefts in Rock Hill
Most insurance agencies are concerned regarding auto theft; this runs specifically true for motorists who reside in large areas. The larger the number of people, the higher the probability you will have to file an automobile theft claim. As recently as 2013, there were 121 stolen cars in Rock Hill, which is a decrease from previous years. But this doesn’t necessarily mean you should gamble with not having Comprehensive coverage on your policy.
Your Credit Score
It turns out that your credit score is one of the biggest influential factors when it comes to determining your insurance premiums. Just look at the chart below. If you have poor credit, your rates could be anywhere from 2x higher (or more) than someone with better credit.
The younger you are, and the less experience you have behind the wheel, the more likely you are to get into an accident. However, teenage drivers can reduce some of their insurance costs by looking into good student discounts, as well as taking Drivers Ed and defensive driving courses.
Your Driving Record
If you can keep a clean driving record, you can secure the lowest possible rate on your automotive insurance policy. Unfortunately, the more violations you add to your record, the more expensive your insurance will become. You may even lose your coverage completely depending on your provider, and the severity of the violations.
Expensive luxury vehicles aren’t just more expensive to insure because they cost more to replace. Odds are that you’re going to want to protect an expensive car with additional insurance coverage. And the more coverage you buy, the more you will have to pay in premiums.
Minor Car Insurance Factors in Rock Hill
For Rock Hill drivers, these factors may also change what you pay each month for insurance:
Your Marital Status
For single policies, marital status is a negligible factor when determining your premiums. However, married couples have the option of bundling their policies together. Most insurance providers will offer substantial discounts for this.
Our analysis of the data shows no significant difference in monthly premiums between male and female drivers. Some companies might charge women more, while others might charge men a higher rate. But even for companies who charge different prices, it usually varies by no more than 2-3%.
Your Driving Distance to Work
The average commute time for motorists in Rock Hill is more varied than most cities; however, many drivers report a typical trip lasting 17-29 minutes at a time. Approximately 76% will use their own automobile in order to get to work, while 15-28% will likely carpool.
Some companies pay lip service to your purpose for driving, as well as the miles you drive each year. However, when you analyze the data, most of these factors barely make a dent in your monthly premium – for example, there may be no more than a 4% difference between driving fewer miles for work and tens of thousands of miles for pleasure each year. However, business vehicles tend to have about 10-15% higher premiums than regular vehicles.
Your Coverage and Deductibles
Want to save money on your insurance each month? Try raising your deductible. A higher deductible means you will be charged lower monthly premiums by your insurance company. However, it also means that your repairs will be more expensive if the worst occurs.
Education in Rock Hill, SC
Nearly one-quarter of Rock Hill residents (25%), while just over 24% have successfully earned their high school diploma. However, the more education you have, the lower your overall car insurance rate will be. So if you’ve been looking for a reason to go back to school, consider how much money you’ll save in the long run!
There are a few institutions within the Rock Hill city limits for those who want a short commute: Winthrop University, Clinton Junior College, and York Technical College. Winthrop is a four-year university for students who want a public, liberal arts oriented education. Clinton is a two-year institution which is affiliated with the African Methodist Episcopal Zion Church. York is also a two-year college offering both associate’s degrees as well as continuing education.
You should not make it possible for a bad auto insurance agency to persuade you into investing in an auto insurance policy that isn’t ideal for you. Sure, the actual quantity of related information needed in order to approximate your personal risk profile may be overpowering, however comparison web pages like this may help make your search quicker. Simply enter a few specifics below, and just let us take it from there.
How We Conducted Our Car Insurance Analysis
*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.
South Carolina Department of Insurance
South Carolina State Board of Financial Institutions
Department of Highway Safety and Motor Vehicles
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