Cheapest Insurance Quotes for a Toyota Tacoma in South Carolina

The likelihood of finding the best cheap car insurance for a Toyota Tacoma in South Carolina depends upon lots of different factors such as your financial responsibility, the insurance company you are currently insured with, and if your driving record is clean. South Carolina drivers on average pay approximately $840 annually to buy insurance for a Toyota Tacoma, but that price is an approximation using rate data for a 50-year-old single male driver that wants full physical damage coverage and $1,000 physical damage deductibles.

There is a good probability you are not 50 years old and maybe not even male, you might be married instead of single, or maybe you don’t qualify for the same discounts. The different assumptions illustrate why the only way to find cheap insurance rates for your Toyota is to compare as many rates as you can.

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Your Toyota’s trim level tends to have a direct impact on the yearly cost, so the rate you will pay to insure a Tacoma 2WD model will be $36 cheaper than the insurance cost for the higher-priced Tacoma Double Cab TRD Sport Package 4WD trim level, as shown in the table below.

Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and South Carolina minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Premium amounts do not factor in specific garaging location which can influence price quotes significantly.

Best auto insurance in South Carolina

Finding the best car insurance company can be a challenge considering how many companies there are to choose from in South Carolina. The company ratings in the lists below could help you choose which car insurance companies to look at shopping your coverage with.

These rankings are only comprised of the largest auto insurers in America, so companies without a large exposure will not be included in these rankings. To compare prices from the insurers below and more, just click here.

Top 10 Large Car Insurance Companies Overall in South Carolina

1. Travelers
2. USAA
3. AAA Insurance
4. Nationwide
5. Allstate
6. State Farm
7. The Hartford
8. Safeco Insurance
9. Progressive
10. American Family

Top 10 Large Car Insurance Companies 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 Toyota Tacoma Insurance in South Carolina

Does it make sense to buy full coverage?

Finding the cheapest insurance for a Toyota Tacoma in South Carolina is probably important to the majority of drivers, and a good way to pay less for insurance is to not pay for full coverage. The information below shows the comparison of auto insurance costs with liability coverage only compared to full coverage. The information is based on no claims or driving citations, $500 deductibles, marital status is single, and no additional discounts are factored in.

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Averaged for all age groups, physical damage coverage costs $2,024 per year more than carrying just liability coverage. Lot’s of drivers question if buying full coverage is worth the money. There is no clear-cut rule to eliminate physical damage coverage, but there is a general school of thought. If the annual cost of your full coverage insurance is about 10% or more of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.

For example, let’s pretend your vehicle’s settlement value is $3,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company will settle for is $2,000 after you pay the deductible. If you are currently paying more than $200 a year for your policy with full coverage, then it may be the right time to buy liability only.

How to find the cheapest insurance for a Toyota Tacoma in South Carolina

It’s not impossible to find cheaper rates, and here are some of the recommended thrifty ideas that can help South Carolina drivers quote cheap coverage.

• Staying accident-free helps keep rates low
• Insure your home and auto with the same company
• Don’t waste money on full coverage for older vehicles
• Pay for smaller claims out-of-pocket
• Safer vehicles cost less to insure
• Do not get tickets or violations
• Shop around for cheaper rates regularly

That last piece of advice is certainly necessary, as was discussed in the article above. Coverage prices can be modified anytime, so drivers shouldn’t hesitate to buy a policy from a new company if a better rate can be found. Many drivers have brand loyalty and that’s fine, but it’s not a good idea if that inflexibility results in costing you a lot of money. Now is a great time to compare rates and find cheaper auto insurance for a Toyota Tacoma.

Best cheap Toyota Tacoma insurance quotes

You have a lot of ways to find affordable auto insurance in South Carolina, but the most frequently used methods are from an exclusive agency like Auto-Owners or State Farm, a non-exclusive or independent agent, or direct online or over the phone from a company like Progressive or Geico.

Each way is similar, but they differ in how they give price quotes.

Independent agencies can place your business with multiple companies and can provide price quotes from each one. These types of agencies can compare multiple rates, which can help you get the best shot at cutting your rates. If you are not satisfied with one company, it’s easy for the agent to move the policy which prevents you from having to find a new agency.

An exclusive ageny is only able to write with a single company like a State Farm or Liberty Mutual agent. Exclusive agencies are unable to provide other companys’ prices, so if prices are high they cannot provide alternatives.

The last way is buying direct, which means you forego a local agent and instead buy direct either online or via phone. This option may be a decent choice drivers who do not need high amounts of coverage and know more than average about what auto insurance covers and what it doesn’t.

So what is the best way for finding the cheapest insurance for a Toyota Tacoma in South Carolina? It would be premature to say buying from a direct car insurance company results in the best prices because there isn’t an agent involved, but in reality, that is not the case. A good argument could also be made that buying auto insurance from an independent agent is the best way to go due to increased selection, but that assumption is not true either. And occasionally, exclusive agencies have very competitive rates that are the cheapest in South Carolina.

Because of the variability of auto insurance rates, the only real way to not overpay for auto insurance is to compare, compare, and compare some more. Make the effort to get quotes from all three types to have the best selection of rates to choose from. We compiled a list of companies with some of the cheapest online rates that you can click here to view.