Car Insurance in Bluffton
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Foster Safety With Car Insurance in Bluffton
Bluffton, South Carolina, has a population of about 32,000. This is a significant increase for the second-largest city in Beaufort County, which has limited public transportation.
According to Data USA. just over 13,000 of these people are employed locally. Of these people, 79.1% drive to work alone, 10.2% work from home, and 8.65% carpool, putting almost 11,000 cars on the roads in a small city.
The average amount of time these people commute is 24.8 minutes. That puts them on the road for over 45 minutes to get to work daily.
Liability Requirements
According to state laws, drivers in South Carolina must have bodily injury, property damage and uninsured driver liability coverage. While you have to have all three, bodily injury is the most used in the state. The minimum coverage requirements for South Carolina are 25/50/25 or $25,000 per accident and $50,000 for all people in an accident. Your liability insurance must cover pain and suffering, lost wages and medical bills.
Physical Damage Options
Physical damage policies are optional in South Carolina. These include collision and comprehensive coverage. They protect your vehicle should something happen to it. Collision is the most popular option because it protects your vehicle should you crash it. Should you experience minimal damage, the insurance company will pay to repair it. If there is extensive damage, they will total your car and pay you the value of it. They can only do this when the damage exceeds 75% of the car's value.
Average Rates in Bluffton
The average monthly rate in Bluffton is around $101, which is in line with the state average. However, it is higher than the national average. You can expect to pay higher insurance prices than you would in a lot of other places in the country.
Average Rates by Age
The older you are, the longer you've been driving. That experience can be great when it comes to insurance policies. People under 25 can expect to pay double what people over 65 pay. In general, your rates will drop every ten years or so. However, once you hit 65, your rates may rise slightly.
Average Rates by Gender
In general, women pay less than men for car insurance in Bluffton. Women can expect to pay almost $20 a month less. Women average around $90 a month, and men average around $110 per month.
Driving Record and Your Rates
Your rates can vary a lot depending on your driving record. When you have no tickets or accidents, you will pay less than those with these. In Bluffton, if you have one accident on your record, you won't see a rise in rates. However, if you have one speeding ticket, your rates may rise slightly. More accidents and tickets can raise your rates. Keeping a clean record and using VIU by HUB can help you find the cheapest rates for your car insurance in Bluffton.
Rates by Vehicle Type
The cheapest types of vehicles to insure in Bluffton are SUVs, trucks, and minivans. If you own a car, you can expect to pay slightly more than the average.
You can use VIU by HUB to compare insurers and policies for car insurance in Bluffton and find the best policy for you. It is a simple and easy process. Then, you can rest easy knowing that you're covered.
This information is intended for general informational purposes only and is not intended to constitute legal advice.