One of the more important criteria that influence the annual cost of car insurance is where you keep your car in South Carolina. Areas with more people or higher crime rates like Florence, North Charleston, and Charleston will most likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims have the gratification of cheap car insurance for postal workers in South Carolina.
The illustration below shows the higher priced cities in South Carolina for postal workers to purchase car insurance in.
Rank | City | Premium Per Year |
---|---|---|
1 | Florence | $1,298 |
2 | Goose Creek | $1,296 |
3 | North Charleston | $1,288 |
4 | Summerville | $1,278 |
5 | Charleston | $1,247 |
6 | Columbia | $1,225 |
7 | Myrtle Beach | $1,222 |
8 | Sumter | $1,215 |
9 | Saint Andrews | $1,195 |
10 | Mount Pleasant | $1,189 |
11 | Socastee | $1,187 |
12 | Hilton Head Island | $1,162 |
13 | Greenville | $1,133 |
14 | North Augusta | $1,128 |
15 | Rock Hill | $1,124 |
16 | Aiken | $1,119 |
17 | Anderson | $1,116 |
18 | Greenwood | $1,110 |
19 | Spartanburg | $1,083 |
20 | Greer | $1,077 |
21 | Taylors | $1,063 |
22 | Wade Hampton | $1,058 |
23 | Easley | $1,055 |
24 | Simpsonville | $1,050 |
25 | Mauldin | $1,040 |
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Premium amounts are approximated as the specific zip code location can raise or lower insurance rates noticeably.
Determining which company offers the most affordable insurance rates for postal workers will take a little more effort in order to find coverage that fits your buget. Every car insurance company has their own unique process to set premium rates, so we will examine the insurance companies with the most affordable rates in South Carolina.
We do need to point out that South Carolina insurance rates are calculated based on many things that can increase the price you pay. Simply turning a year older, buying a home instead of renting, or getting a few speeding tickets may cause policy rate changes resulting in some companies being more affordable than the competition.
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The Hartford generally has some of the most affordable car insurance rates in South Carolina at around $775 per year. USAA, State Auto, Auto-Owners, and SC Farm Bureau Mutual also are some of the more affordable South Carolina car insurance companies.
As shown above, if you are a policyholder with Auto-Owners and switched to USAA, you may see a yearly price reduction of approxmiately $128. Insureds with SC Farm Bureau Mutual may save as much as $223 a year, and Southern Farm Bureau policyholders might realize rate reductions of up to $273 a year.
Be aware that those estimates are averages for all drivers and vehicles in South Carolina and do not factor in a price discount for postal workers. So the company that can offer you the best rate may not even be shown in the rate chart shown above. That helps illustrate why you need to get rate quotes using your own personal information and vehicle type.
Selecting the top auto insurance provider can be difficult considering how many different companies sell coverage in South Carolina. The company information shown next may help you analyze which auto insurance companies to look at when comparing auto insurance rates for postal workers.
The rankings below are for companies with a national presence, so smaller companies that only insure vehicles in South Carolina are not included in these rankings. To get price quotes from many more South Carolina auto insurance companies, click this link.
Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
---|---|---|---|---|---|---|
Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
American Family | 91 | 86 | 95 | 83% | A | 89.7 |
Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
The General | 86 | 93 | 89 | 84% | A- | 88.2 |
GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
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Data Source: Insure.com Best Car Insurance Companies
When researching car insurance for postal employees in South Carolina, four companies to consider are Progressive, Allstate, Geico, and State Farm. If you add them together, they insure almost half of the entire U.S. market share. The following table illustrates price and claims rank as well as some different options offered by each company.
Progressive | Allstate | Geico | State Farm | |
---|---|---|---|---|
Claims Rank | 4th | 1st | 3rd | 2nd |
Client Satisfaction | 3rd | 2nd | 1st | 4th |
Discounts Offered | 4th | 1st | 2nd | 3rd |
Price Ranking | 3rd | 4th | 1st | 2nd |
Customers who recommend | 88% | 86% | 87% | 88% |
Rideshare insurance | Yes | Yes | Yes | Yes |
Breakdown insurance | Yes | No | Yes | No |
New car replacement | No | Yes | No | No |
Roadside assistance | Yes | Yes | Yes | Yes |
Rate for vehicle usage | Yes | Yes | No | Yes |
Accident forgiveness | Yes | Yes | Yes | No |
Where to buy | Online or from independent agents | Can only buy from Allstate agents | Can buy online or use a Geico agent | Can only buy from State Farm agents |
Number of agents | 30,000+ | 11,000+ | 150+ | 18,000+ |
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Consumers have many ways to shop around for insurance in South Carolina, but the most frequently used methods are using an independent agent, an exclusive insurance agent such as Liberty Mutual or State Farm, or direct either online or via phone.
All three ways are similar, but it’s good to know the differences in how they work.
Independent agents work for many companies and can quote your policy with each one. They are usually affiliated with several companies and can provide you with more rate quotes, which may provide you with a better chance of saving money. If prices rise, your agent can just switch to a different company which prevents you from having to find a new agency.
Exclusive agents are ‘exlusive’ to a single insurance company, examples being a State Farm or Liberty Mutual agent. These agents normally cannot compare other company’s rates, so they have no alternatives for high prices.
If you choose to buy insurance direct, you bypass a local agent and instead buy buying direct from a company like Geico or Progressive. Buying insurance direct is a good choice for families who do not need high levels of coverage and have knowledge of the limitations of insurance.
When shopping for insurance, which way works best to find cheap car insurance for postal workers in South Carolina? Our initial answer would be shopping direct results in the cheapest price since there isn’t an agent involved, but unfortunately, it’s not that cut and dried. It could also be said buying insurance from an independent agent is the best way due to having more companies to select from, but again, it’s not a sure thing. And sometimes, exclusive agencies may have very competitive prices that are impossible to beat.
Because there is so much variation in insurance prices, the best way to get rock-bottom rates is to obtain price quotes and compare them. We recommend you get quotes from all three to have a good selection of rates to choose from. For a list of companies offering online discounts in South Carolina, click here to view.
Here are some penny-pinching suggestions that can help you buy lower-cost auto insurance.
That last piece of advice is highly necessary, as was discussed in this article. Auto insurance prices go up and down frequently, so don’t be afraid to switch to a new company if a better rate can be found. Many drivers tend to have loyalty to a certain company, but it’s not recommended if that loyalty ends up costing hundreds of dollars year after year. It only take a few minutes to compare rates to find cheaper insurance for postal workers.