Columbia is not only South Carolina‘s capital, but also the state’s largest city! With a population of over 130,000 and growing, the city has all the amenities of a larger city, without the traffic! Many residents are employed by one of the area’s many colleges and universities, or the military (Fort Jackson and the National Guard’s McEntire station are both nearby). Because of Columbia’s location, it tends to be a shipping and transportation crossroads. This is part of the reason for the city’s rising auto insurance costs. If you are moving to Columbia, or are a lifelong resident, take a few minutes to compare auto quotes. With our online tools, it’s easier than ever to compare all the options for cheap insurance Columbia companies will offer.
Other ways to save:
- Know your discounts: Each company will offer different discounts on top of the usual (Good Driver, Good Student, Claim Free). For example, some companies offer discounts for having a PayPal account! Others will give you a cheaper rate if you’re a member of a credit union, labor union, or professional/academic group. Be sure to ask your agent what you might qualify for before you purchase your policy.
- Know what coverage you need: If you’re on a budget, you might need to take a closer look at your coverage package. You may be carrying coverage that you don’t necessarily need. For example, if you car is salvaged, carrying full coverage on it isn’t very cost-effective (many companies will only pay you 1/3rd of the vehicle’s value in the event of a total loss). If you have roadside assistance through your credit card or auto club, you can probably forego towing coverage on your auto policy. The money you save on those coverages can go towards increasing your liability limits which will give you a greater degree of protection.
- Enroll in automatic payments or pay the policy term in full: Most companies will give you significant discounts on your monthly premium if you enroll in EFT billing.