Who Has the Cheapest Insurance for a Honda Accord in South Carolina?

When talking about auto insurance, the words cheap or affordable should never appear anywhere to describe car insurance prices. Unfortunately, cheap auto insurance for a Honda Accord can seem impossible to find. Don’t get your dauber down, because we are going to show you how you can find auto insurance that won’t break the bank.

Your ability to find cheap insurance for a Honda Accord in South Carolina is dependent upon a complex formula that factors things such as how you use your Accord, where your vehicle is garaged, and if your driving record is clean. Drivers in South Carolina pay around $770 every 12 months for Accord insurance, but that amount is an estimate based on a 40-year-old married female with full physical damage coverage and $1,000 deductibles.

It’s more than likely you are not 40 and possibly not even female, possibly single instead of married, or maybe you have a speeding ticket that needs to be factored in. Even a very minor difference in rating criteria or coverage limits can result in a massive change in policy price.

Everyone has unique insurance needs, and this illustrates why the best way to find the cheapest rates for your Honda is to make a habit of regularly comparing rates from other companies.

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The trim level of your Honda tends to have a direct impact on price, so the price you will pay to insure a Accord LX 4-Dr Sedan will be $268 lower than the insurance cost for the more costly Accord EX-L 2-Dr Coupe model, as demonstrated by the prices below.

Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Premium amounts do not factor in specific location information which can lower or raise prices considerably.

Ratings for South Carolina car insurance companies

Insuring your vehicle with the best auto insurance company is difficult considering how many choices drivers have in South Carolina. The company ratings displayed below could help you analyze which car insurance providers you want to consider when buying insurance for a Honda Accord. The rankings below are only made up of companies that write coverage in many states, so companies with more of a regional focus will not be included in these rankings.

Top 10 Large Auto Insurers in South Carolina Ranked by Value

1. Travelers
2. American Family
3. AAA Insurance
4. Safeco Insurance
5. Progressive
6. The Hartford
7. The General
8. 21st Century
9. Esurance
10. Titan Insurance

Top 10 Large Auto Insurers in South Carolina Ranked by Claims Service

1. Travelers
2. Nationwide
3. Allstate
4. State Farm
5. Liberty Mutual
6. GEICO
7. American Family
8. Esurance
9. Titan Insurance
10. AAA Insurance

Top Companies for Honda Accord Insurance in South Carolina

How to get discounts on South Carolina car insurance

Insurance companies that sell the cheapest insurance for a Honda Accord in South Carolina may also provide discounts that can lower rates by as much as 30% if you meet eligibility requirements. Larger car insurance companies and a summarized list of policyholder discounts are detailed below.

• GEICO has discounts for good student, driver training, multi-vehicle, daytime running lights, defensive driver, emergency military deployment, and air bags.
• Auto-Owners Insurance policyholders can earn discounts including company car, anti-lock brakes, multi-policy, paid in full, and mature driver.
• American Family may offer discounts for multi-vehicle, mySafetyValet, good driver, Steer into Savings, air bags, defensive driver, and accident-free.
• Esurance offers discounts for Pac-12 alumni, DriveSense, anti-theft, renters, safety device, multi-policy, and good driver.
• Progressive includes discounts for online signing, good student, online quote discount, continuous coverage, multi-policy, homeowner, and multi-vehicle.
• State Farm offers discounts including passive restraint, anti-theft, safe vehicle, driver’s education, multiple policy, and good driver.
• AAA may have discounts that include multi-car, multi-policy, education and occupation, anti-theft, good driver, and good student.

The illustration below shows the comparison of insurance costs with and without some available policy discounts. The data assumes a female driver, no claims or driving citations, South Carolina state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with vehicle safety, anti-theft, safe-driver, passive restraint, multiple policy, and marriage discounts applied. When discounts are applied, the the amount saved on car insurance for a Honda Accord is 28% or $690.

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Geico, Progressive, State Farm, or Allstate: Who is cheapest?

If you’re looking for the best insurance for an Accord, probably the best companies to start with are Geico, Progressive, State Farm, and Allstate. When combined, they make up about 50% of all policies written. The table below compares pricing and service ratings, plus some optional coverages that are available.

How to find the cheapest insurance for a Honda Accord in South Carolina

It is possible to find better rates, and here are many thrifty ideas that can help drivers quote more affordable car insurance.

• Do not get traffic violations
• Do not get into accidents that are your fault
• Safer vehicles cost less to insure
• Raise your deductibles
• Good credit scores may lower your rates
• Do not pay for comprehensive and collision coverage on older vehicles
• Shop around for cheaper rates regularly

That final tip is very vital, as we pointed out in this article. Auto insurance rates fluctuate constantly, so don’t be afraid to switch carriers if a more affordable rate is found. Staying with the same car insurance company is fine, but it’s not a great idea if that faithfulness ends up costing you money that could be spent on other things. It only takes a couple minutes to compare rates and find cheaper insurance for a Honda Accord.

Who has the cheapest Honda Accord insurance quotes?

Due to technology, there are many ways to find affordable car insurance in South Carolina, but the most common are through a non-exclusive or independent agent, an exclusive insurance agency such as State Farm or Allstate, or buying direct from a company like Progressive or Geico.

You can use whichever you prefer, but each is different in how they provide rate quotes.

Independent insurance agencies have contracts with many companies and can get rate quotes from all of them. They do not sell for just one brand and can provide multiple price quotes, which can help you get better odds of saving money. If your agent finds better pricing, you can get a different policy and you don’t have to find a new agent.

Exclusive agencies are only able to give rates for just one company like a Farmers or Allstate agent. These guys and gals cannot provide multiple price quotes, so you will not be able to compare multiple prices.

The third popular method of shopping for car insurance is direct, which means you bypass local insurance agents and instead buy from a direct company like Geico. Buying direct may be preferred by consumers who have an average risk profile and have a good understanding of what coverage limits and deductibles they need.

So comparing independent agents, exclusive agents, and direct, which one works best for finding the cheapest insurance for a Honda Accord in South Carolina? The majority of people assume that shopping direct results in the best prices because there are no middleman commissions, but that does not always hold true. It could also be said an independent agent guarantees the best prices since they have access to many companies, but again, it’s not necessarily true. In many cases, exclusive agencies have coverage prices that independents and direct companies can’t touch.

Due to the fact that car insurance rates vary so much, really the only way to get the lowest rate is to compare, compare, and compare some more. The ideal approach is to get rate quotes from independent agents, exclusive agents, and direct companies to get a good idea who is cheapest. We compiled a list of companies with some of the cheapest online rates that you can click here to view.