Finding the best price on Newberry auto insurance can seem complicated if you have never used online quoting. Don’t let that stop you because online price shopping is actually quite simple.
Discounts are basically free money
Companies offering auto insurance do not advertise all their discounts very well, so here is a list some of the best known and the more hidden discounts you could be receiving.
- Theft Prevention System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
- New Car Discount – Buying coverage on a new vehicle can cost up to 25% less due to better safety requirements for new cars.
- Life Insurance Discount – Some companies give a discount if you purchase life insurance from them.
- Bundle and Save – When you have multiple policies with the same company you may earn approximately 10% to 15%.
- More Vehicles More Savings – Buying coverage for multiple cars or trucks on the same auto insurance policy could earn a price break for each car.
- Low Mileage Discounts – Keeping the miles down could be rewarded with discounted rates on garaged vehicles.
- Save over 55 – If you’re over the age of 55, you may receive better auto insurance rates.
Keep in mind that some credits don’t apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So when the math indicates all those discounts means the company will pay you, it doesn’t quite work that way.
For a list of insurance companies offering auto insurance discounts in Newberry, click here to view.
Newberry Auto Insurance Quote Comparison
There are several ways to compare rate quotes from different in Newberry, SCinsurance companies. One of the best ways to find the cheapest insurance rates involves getting comparison quotes online. This is very easy and can be done in several different ways.
Probably the best way to get the best comparison quotes would be an industry-wide quote request form click to view form in new window. This form saves time by eliminating separate quotation requests for each company. Taking the time to complete one form gets you coverage quotes from auto insurance companies with the best prices. It’s the fastest way to compare.
A different way to compare rate quotes consists of visiting the website for each individual company and request a quote. For instance, we’ll assume you want to compare Farmers, Allstate and American Family. You would have to go to every website to input your insurance information, which is why the first method is more popular.
For a list of links to insurance companies in Newberry, click here.
Whichever way you use, compare apples-to-apples coverage limits for every quote you compare. If the quotes have different liability limits then you won’t be able to decipher which rate is best in Newberry. Slightly different insurance coverages can make a big difference in price. Just remember that having more price comparisons provides better odds of finding better pricing.
Which insurance is the “right” coverage?
When it comes to buying the right insurance coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s situation is unique.
For example, these questions can help discover if you would benefit from an agent’s advice.
- Are all vehicle passengers covered by medical payments coverage?
- Do all my vehicles need collision coverage?
- Will I be non-renewed for getting a DUI or other conviction?
- Am I covered when driving on a suspended license?
- When should I remove comp and collision on my vehicle?
- Should I buy additional glass protection?
- Who is covered by my policy?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- Will I lose any money if I cancel my policy before it expires?
- Am I covered when driving a rental car?
If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.
What auto insurance coverages do you need?
Understanding the coverages of your policy can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement.
Liability coverages – This coverage will cover injuries or damage you cause to other’s property or people. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.
Liability can pay for claims such as bail bonds, repair bills for other people’s vehicles and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford. South Carolina state law requires minimum liability limits of 25,000/50,000/25,000 but it’s recommended drivers buy better liability coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Due to the fact that many South Carolina drivers only purchase the least amount of liability that is required (which is 25/50/25), their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.
Comprehensive auto coverage – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.
Comprehensive insurance covers claims like hitting a deer, a broken windshield, damage from a tornado or hurricane and damage from getting keyed. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance pay for expenses such as hospital visits, pain medications, nursing services and chiropractic care. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage
Collision coverages – Collision insurance will pay to fix damage to your vehicle resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers claims such as colliding with another moving vehicle, colliding with a tree, hitting a mailbox and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.
One last thing about your coverage
You just read a lot of tips how to lower your auto insurance rates. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. Consumers may even find the lowest premiums are with the least-expected company.
People leave their current company for any number of reasons including being labeled a high risk driver, delays in paying claims, lack of trust in their agent or even unfair underwriting practices. Regardless of your reason, finding a great new company is pretty easy and you might even save some money in the process.
Cost effective auto insurance can be purchased on the web as well as from independent agents in Newberry, and you should compare price quotes from both to have the best chance of lowering rates. Some companies don’t offer the ability to get a quote online and these small, regional companies work with independent agents.