Cheap Insurance Quotes for a Toyota 4Runner in South Carolina

Your chances of buying affordable car insurance for a Toyota 4Runner in South Carolina depends upon an enormous amount of rating factors like if you rent or own your home, if you are currently insured, and citations on your driving record. Drivers in South Carolina will pay around $900 every 12 months for 4Runner insurance, but that is a ballpark figure using rating data for a 30-year-old married male driver that wants full physical damage coverage and $500 deductibles.

Chances are good that you are not 30 years old and maybe not even male, single instead of married, and you don’t want the same coverages and limits as the example. Making minor changes in policy rating criteria or coverages can result in a big discrepancy in the rate quoted for a Toyota 4Runner.

This illustrates why the most reliable method for finding affordable rates for your Toyota is to quote often and with as many companies as possible.

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Vehicle trim level has an effect on the cost of insurance, so the cost to insure a 4Runner Sport 2WD trim level will be $156 less than the insurance cost for the high end 4Runner Limited 4WD model, as shown in the table below.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Information does not factor in garaging location in South Carolina which can decrease or increase price quotes significantly.

Trying to buy cost effective auto insurance is challenging, and determining which companies have the cheapest auto insurance rates for a Toyota 4Runner takes even more shopping around. Each company has a proprietary method for determining rates, so we’ll take a look at the auto insurance companies that tend to be cheaper in South Carolina.

It’s important to understand that South Carolina auto insurance rates are determined by lots of factors which can substantially decrease or increase your annual premium. Simply improving your credit, moving to a new city, or getting a ticket for running a stop sign may generate price changes resulting in some companies being cheaper in comparison to the competition.

Cheapest Insurance Rates for Your Toyota

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The Hartford may have some of the lowest car insurance rates in South Carolina at around $752 per year. USAA, Auto-Owners, State Auto, and SC Farm Bureau Mutual would also make the list of some of the more affordable South Carolina car insurance companies.

As shown above, if you have coverage with USAA and switched to The Hartford, you could realize a yearly price reduction of about $243. Policyholders with Auto-Owners might save as much as $355 a year, and State Auto insureds might cut rates by $375 a year.

Remember that these policy prices are averages across all ages of drivers and types of vehicles and and are not figured with a specific rating modification for a Toyota 4Runner. So the insurer that fits you best may not even be in the list of companies shown earlier. That point stresses why you need to compare prices as often as possible using your own specific driver information and vehicle.

Rate increases following a ticket or accident

The easiest method to earn the most affordable auto insurance rates for a 4Runner is to drive safe and not get tickets or have accidents. The diagram below demonstrates how citations and accident claims drive up insurance prices for each age group. The premiums assume a married male driver, comp and collision included, $1,000 deductibles, and no additional discounts are factored in.

The chart shows that the average cost of a car insurance policy per year with no violations or accidents is $1,447. Factor in one speeding ticket and the average cost surges to $1,663, an increase of $215 each year. Now get two accidents along with the one speeding ticket and the 12-month cost of auto insurance for a Toyota 4Runner increases to an average of $3,560. That’s an increase of $2,112, or $176 per month, just for being a less-than-perfect driver!

Is the best company State Farm, Geico, Progressive, or Allstate?

When researching auto insurance, some of the largest companies to start with are State Farm, Geico, Progressive, and Allstate. They all have the same basic coverages, but each one has a little bit different set of discounts and options that you can choose from. The next table ranks ratings for price, service, and claims, in additional to some of the optional coverages that may be available in South Carolina.

Ideas to find economical car insurance for a Toyota 4Runner

Here are some of the better money-saving ideas that can help drivers locate cheap auto insurance.

• Prevent rate increases by staying accident-free
• Maintain a clean driving record
• Claim-free policyholders usually earn a discount
• Do not pay for full coverage if not needed
• Increase deductibles to save money
• Compare rates and switch if you can find a better deal

The last idea is notably important, as we pointed out in the article above. Coverage rates in South Carolina can change significantly in a year, so drivers shouldn’t be resistant to buy a different policy if a more affordable price is available. We understand brand loyalty, but it’s not recommended if that dedication is costing a small fortune year after year. If you have a few minutes, now is a great time to compare rates and find cheaper auto insurance for a Toyota 4Runner.