How Much Does Auto Insurance Cost for Handicapped Drivers in South Carolina?

The car, truck, or SUV that needs insurance is one of the largest considerations that determines whether or not you find cheap insurance for handicapped drivers. Vehicles with lots of speed or power, poor safety features, or a high likelihood of having liability claims will cost quite a bit more to insure than safer models. The table below outlines auto insurance prices for a handful of the cheaper vehicles to buy insurance for.

Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Rate quotes do not factor in specific zip code location which can lower or raise prices substantially.

Based upon the table data, you can figure that models like the Ford Escape, Honda Accord, Honda CR-V, and Chevrolet Equinox are going to be a few of the more affordable vehicles to insure for drivers with handicaps.

Figuring out which company has the best auto insurance rates for handicapped drivers calls for a bit more effort in order to find the most economical policy.

Each insurer has a proprietary formula for setting prices, so we will examine the auto insurance companies that tend to have lower prices in South Carolina. It’s important to understand that South Carolina auto insurance rates are calculated based on many things which can significantly increase or decrease the price you pay. Turning one year older, getting divorced, or getting caught speeding can produce rate changes resulting in some companies being cheaper than before.

Cheap Insurance Rates in South Carolina

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The Hartford may have some of the most affordable car insurance rates in South Carolina at around $768 per year. USAA, State Auto, Auto-Owners, and SC Farm Bureau Mutual would also make the list of some of the most economical South Carolina car insurance companies.

As shown in the rates above, if you are currently insured with Auto-Owners and switched to USAA, you might realize a yearly price reduction of around $92. South Carolina drivers with SC Farm Bureau Mutual may save as much as $233 a year, and Southern Farm Bureau insureds might realize rate reductions of up to $271 a year.

Remember that these rates are averages across all types of drivers and the different vehicles they drive and and are not figured with a price decrease for handicapped drivers. So the company that has the cheapest price for you may not even be featured in the above rate chart. That emphasizes why you need to compare as many prices as possible using your own individual information.

For South Carolina drivers, one of the factors that is used to help calculate the price you pay for insurance is where you call home in South Carolina. Densely populated urban areas like Florence, Goose Creek, and Charleston will most likely pay more, whereas areas with less congestion have the gratification of cheap insurance for handicapped drivers in South Carolina.

The next table displays the most expensive cities in South Carolina for handicapped drivers to purchase a policy in.

Rate quotes are approximated as specific South Carolina garaging address can impact coverage rates significantly.

Auto insurance rates are higher with tickets and accidents

The common sense way to score cheap auto insurance premiums in South Carolina for drivers with handicaps is to be a good driver and not get tickets or have accidents. The example below illustrates how speeding tickets and fender-benders raise annual premium costs for different insured age categories. The prices are based on a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied to the premium.

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The data charted above shows the average cost of auto insurance in South Carolina per year with no violations or accidents is $1,435. Get two speeding tickets and the average cost rises to $1,886, an increase of $451 each year. Now include one accident along with the two speeding tickets and the 12-month cost of auto insurance for handicapped drivers jumps again to an average of $2,346. That’s an increase of $912, or $76 per month, just for not keeping your driving record clean!

Cheapest car insurance: Progressive, Geico, State Farm, or Allstate

When comparing rates for car insurance for drivers with handicaps in South Carolina, four of the larger companies to compare rates for are Progressive, Geico, State Farm, and Allstate. When combined, they insure 48.5% of the car insurance market in the United States. All four offer physical damage and liability coverage, but each has a distict selection of optional coverages and features that may affect your buying decision. The next table points out price, claims, and customer service ratings, as well as some optional coverages that are available for policyholders.

Ideas for finding economical insurance for handicapped drivers

The list below summarizes some of the better money-saving solutions that can help you find low-cost auto insurance.

• Increase your comprehensive and collision deductibles
• Save money by only buying liability coverage for older vehicles
• Pay for small claims rather than turning them in to your insurance company
• Violations like speeding or DUI increase rates
• Staying accident-free helps keep rates low
• Compare rates regularly and switch companies to save money

The last item on the list is notably critical, as was noted in this article. Prices charged by auto insurers can be adjusted at any time, so drivers shouldn’t be resistant to buy from a different company if a more affordable price is available. Having brand loyalty is commendable, but is isn’t recommended if that inflexibility results in costing you a small fortune year after year. It takes less than five minutes to compare prices to find cheaper insurance for handicapped drivers.