How to Know You’re Throwing Money Away for Auto Insurance in Beaufort, SC

Finding better rates for Beaufort auto insurance can seem to be nearly impossible for consumers not familiar with comparison shopping online. Consumers have so many companies to choose from that it can turn into a big hassle to locate the lowest price in Beaufort.

If you have car insurance now, you should be able to reduce your rates substantially using this information. This article will help you learn the most effective way to quote insurance and some tips to save money. But South Carolina consumers need to learn how insurance companies market on the web and take advantage of how the system works.

More discounts equal less premium

Car insurance can cost a lot, but there are discounts available that you may not know about. Some trigger automatically at quote time, but a few must be requested specifically before you will receive the discount.

  • Accident Forgiveness – A handful of insurance companies will forgive one accident before your rates go up if your claims history is clear for a certain period of time.
  • Passive Restraints – Cars that have air bags or automatic seat belts may earn rate discounts of 20% or more.
  • Fewer Miles Equal More Savings – Keeping the miles down can earn discounted rates on garaged vehicles.
  • New Vehicle Savings – Putting insurance coverage on a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • No Claims – Good drivers with no accidents can save substantially when compared to frequent claim filers.
  • Sign Online – Certain companies will discount your bill up to fifty bucks simply for signing digitally online.
  • Military Rewards – Having a deployed family member may qualify for rate reductions.
  • Safe Drivers – Safe drivers may save up to 50% more than their less cautious counterparts.

A little note about advertised discounts, most discount credits are not given to the entire cost. Most only apply to specific coverage prices like physical damage coverage or medical payments. So even though it sounds like having all the discounts means you get insurance for free, you won’t be that lucky. But any discount will bring down the cost of coverage.

To see a list of companies with discount auto insurance rates in South Carolina, click here.

Consumer auto insurance information in South Carolina

Much more information about auto insurance in South Carolina is available on the South Carolina Department of Insurance website through this link. South Carolina consumers can find out which companies have the most complaints, file complaints about a company, learn about insurance regulations, and find out industry alerts.

Other informative sites include this page for auto insurance in South Carolina and this list of agents in Beaufort, SC.

Shop smart and save

Drivers leave their current company for a variety of reasons including policy cancellation, poor customer service, high rates after DUI convictions or extreme rates for teen drivers. It doesn’t matter what your reason, finding a great new company can be less work than you think.

Beaufort SC insurance comparisons

Discount auto insurance is possible on the web and also from your neighborhood Beaufort agents, so compare prices from both to have the best chance of lowering rates. Some companies may not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

You just read a lot of techniques to get a better price on auto insurance. It’s most important to understand that the more rate quotes you have, the better your comparison will be. Consumers may even find the most savings is with some of the smallest insurance companies.