I can’t think of anyone who enjoys paying for car insurance, especially when they are paying too much. Companies like Allstate, Progressive and GEICO increase brand awareness with ads and it is challenging if not impossible to not get sucked in by the cute commercials and effectively compare rates to find the best deal.
Fast and Easy Lexington Car Insurance Quotes
Lowering your car insurance rates can be surprisingly simple. All you need to do is take the time to get quotes provided by online insurance companies. This can be done in just a few minutes using one of these methods.
The easiest and least time consuming way to find the lowest comparison rates is a comparison rater form click here to open form in new window. This method prevents you from having to do separate quotation requests for each company you want a rate for. A single form compares rates from several companies.
A different way to compare prices is to manually visit the website of each company and fill out their own quote form. For sake of this example, let’s assume you want to compare Nationwide, State Farm and GEICO. To get each rate you have to spend time on each company’s site and enter your information, and that’s why the first method is more popular.
For a list of links to companies insuring cars in Lexington, click here.
However you get your quotes, ensure you’re using identical coverage limits on every quote you get. If the quotes have mixed coverages it will be next to impossible to determine the best price in Lexington.
Take discounts and save
Companies that sell car insurance do not advertise all available discounts in a way that’s easy to find, so here is a list some of the more common and the harder-to-find ways to save on car insurance. If you aren’t receiving every discount available, you are throwing money away.
- Military Rewards – Being deployed with a military unit could mean lower rates.
- Drive Less and Save – Low mileage vehicles can earn lower rates on the low mileage vehicles.
- College Student – Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
- Accident Waiver – A few companies allow you one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
- Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% with select insurance companies.
- Bundle and Save – When you combine your home and auto insurance with the same company you may save approximately 10% to 15%.
- Good Student Discount – Performing well in school can be rewarded with saving of up to 25%. The discount lasts until age 25.
- Claim Free – Good drivers with no accidents can save substantially compared to frequent claim filers.
- Anti-lock Brakes – Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.
It’s important to note that most credits do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as medical payments or collision. Just because it seems like you can get free auto insurance, companies don’t profit that way.
To choose insurance companies with discount car insurance rates in Lexington, follow this link.
Additional detailed information is available at the South Carolina Department of Insurance website. Consumers can read state legal mandates and laws, find a variety of consumer forms, and learn about specific coverages.
More related Lexington car insurance information:
- Proven Tricks for Buying New Lexington, OH Car Insurance for the Lowest Rate
- Learn How to Pay Less and Get More for Lexington Nebraska Auto Insurance
Smart shoppers get results
We just covered quite a bit of information on how to save on car insurance. The key thing to remember is the more providers you compare, the better your comparison will be. Consumers could even find that the best prices are with some of the lesser-known companies. Regional companies may often insure only within specific states and give getter rates than their larger competitors like Progressive or GEICO.
While you’re price shopping online, it’s a bad idea to skimp on coverage in order to save money. There have been many cases where consumers will sacrifice physical damage coverage and discovered at claim time they didn’t purchase enough coverage. The aim is to buy a smart amount of coverage at the best price, not the least amount of coverage.