Are you intimidated by the dozens of auto insurance company choices in Irmo? You have a lot of company. Consumers have so many options that it can be a ton of work to find the perfect company for you.
Consumers should take time to compare prices on a regular basis because prices are usually higher with each renewal. Just because you found the best deal a few years ago there is a good chance you can find better rates now. So forget all the misinformation about auto insurance because you’re going to get a crash course in the proper way to find better rates and still maintain coverage.
If you are insured now or need new coverage, you can use these tips to get lower rates and still get good coverage. This information will instruct you on how to effectively get price quotes. South Carolina vehicle owners only need to know the most efficient way to compare company rates online.
Compare the Market for Auto Insurance in Irmo, SC
There are multiple methods to shop for auto insurance, and some are less labor-intensive and much quicker. You could waste a few hours discussing policy coverages with insurance agencies in Irmo, or you can stay home and use the web to get prices fast.
Many popular insurance companies are enrolled in a marketplace where insurance shoppers enter their policy data once, and every company then gives them pricing. This system prevents you from having to do quotation requests to every company.
To participate in this free quote system, click here to start a free quote.
One minor caviat to using this type of form is you can’t choose which companies you want pricing from. So if you want to select from a list of companies to receive pricing from, we have a page of the cheapest auto insurance companies in South Carolina. Click here to view list.
Whichever way you use, compare apples-to-apples information for every quote you compare. If each company quotes different liability limits you will not be able to decipher which rate is best in Irmo.
Take advantage of discounts
Auto insurance companies do not advertise every available discount very well, so the following is a list of some of the best known as well as the least known savings tricks you should be using. If you don’t get every credit you qualify for, you’re paying more than you need to.
- Discount for Swiching Early – Some companies give discounts for switching to them before your current policy expires. The savings is around 10%.
- E-sign – A handful of insurance companies give back up to $50 simply for signing over the internet.
- Defensive Driving Course – Taking a defensive driving course could possibly earn you a 5% discount depending on where you live.
- Military Rewards – Having a deployed family member may qualify for rate reductions.
- Accident Forgiveness – Some insurance companies allow you one accident before your rates go up if your claims history is clear for a certain period of time.
- Student in College – Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
- Own a Home – Simply owning a home may earn you a small savings because maintaining a house shows financial diligence.
- Bundle and Save – If you have multiple policies with the same company you could get a discount of approximately 10% to 15%.
A little note about advertised discounts, many deductions do not apply to the entire cost. Some only apply to the cost of specific coverages such as comp or med pay. So despite the fact that it appears all the discounts add up to a free policy, it doesn’t quite work that way.
For a list of providers who offer auto insurance discounts in South Carolina, follow this link.
But don’t I need an insurance agent?
Some people just want to visit with an insurance agent and that is a personal choice. Professional agents can answer important questions and help you file claims. One of the best bonuses of getting online price quotes is that you can obtain the best rates and still choose a local agent.
Once you complete this quick form, the quote information is emailed to local insurance agents in Irmo who will compete to get your business. There is no reason to visit any agencies because quoted prices will be sent straight to your inbox. How cool is that?!
Selecting an insurer shouldn’t rely on just a low price. Agents should be asked these questions:
- How are they compensated?
- Can they give you a list of client referrals?
- Do they assist clients in filing claims?
- What are the financial ratings for the companies they represent?
- How often do they review policy coverages?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Are claims handled at the agent’s location?
Listed below are Irmo insurers that are able to give price quote information.
- Patti Bridges Insurance – 1009 Kinley Rd, Irmo, SC 29063 – (803) 781-7819
- Entrecor Cox Agency – 401 Western Ln # 1, Irmo, SC 29063 – (803) 467-5836
- Allstate Insurance – 7425 College St # 102, Irmo, SC 29063 – (803) 732-4404
- State Farm Insurance – 1009 Lake Murray Blvd, Irmo, SC 29063 – (803) 781-1540
- Irmo Insurance Inc – 1345 Lake Murray Blvd, Irmo, SC 29063 – (803) 781-4700
For a complete listing of Irmo insurance agents, go to this page.
Upon receiving acceptable answers to your questions and a low price estimate, you have narrowed it down to an insurance company that will adequately provide auto insurance.
More tips and info about auto insurance can be found at the South Carolina Department of Insurance website. South Carolina drivers can find disaster information, view a list of available companies, get help finding coverage, and find out which companies have the most complaints.
The following articles may also be useful.
- How to Know Youre Paying Too Much for Auto Insurance in Fairmont West Virginia
- Fairmont Car Insurance Agents Five Minutes to Find the Best
Final thoughts
Consumers change insurance companies for many reasons like questionable increases in premium, policy cancellation, lack of trust in their agent and being labeled a high risk driver. Regardless of your reason, finding the right auto insurance provider is not as difficult as it may seem.
Cost effective auto insurance is definitely available both online and also from your neighborhood Irmo agents, and you need to price shop both in order to have the best chance of saving money. There are still a few companies who may not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.
We’ve covered many ways to lower your auto insurance rates. The most important thing to understand is the more quotes you get, the better likelihood of reducing your rate. You may even discover the best price on auto insurance is with the least-expected company.