Is Your Fort Mill Auto Insurance Too High? Save with These Tips

Price shopping your Fort Mill auto insurance is difficult for people who are new to comparison shopping online. Consumers have so many options that it can easily become more work than you anticipated to locate the lowest price in Fort Mill.

You need to compare prices on a regular basis because prices tend to go up over time. Even if you got the lowest rates a few years ago there is a good chance you can find better rates now. Block out anything you think you know about auto insurance because we’re going to demonstrate the fastest way to buy cheaper auto insurance.

If you currently have a car insurance policy, you should be able to cut costs considerably using this information. Pricing affordable auto insurance coverage in Fort Mill is easy if you know what you’re doing. But South Carolina drivers can benefit by having an understanding of how the larger insurance companies market insurance on the web and take advantage of how the system works.

Do you qualify for discounts?

Insurance can be prohibitively expensive, but you may find discounts to help bring down the price. A few discounts will automatically apply at quote time, but a few need to be specially asked for prior to receiving the credit.

  • Save with a New Car – Putting insurance coverage on a new car can be considerably cheaper since new cars are generally safer.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
  • Discounts for Safe Drivers – Safe drivers may receive a discount up to 45% less than drivers with accident claims.
  • Accident Waiver – Certain companies will forgive one accident before hitting you with a surcharge if you are claim-free for a set time period.
  • Sign Online – Some insurance companies will discount your bill up to fifty bucks just for signing your application digitally online.
  • Auto/Life Discount – Companies who offer life insurance give a discount if you purchase auto and life insurance together.

Consumers should know that most credits do not apply to the entire policy premium. Most only apply to the cost of specific coverages such as liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, you won’t be that lucky. Any amount of discount will help reduce your premiums.

To see a list of insurance companies offering auto insurance discounts in South Carolina, click here.

Auto Insurance Comparison Rates in Fort Mill

Shopping for lower auto insurance rates can be a lot of work if you don’t understand the fastest way to get free quotes. You can spend countless hours driving to agents in Fort Mill, or you can stay home and use the internet to accomplish the same thing much quicker.

Most of the best insurance companies are enrolled in a marketplace that allows shoppers to enter their coverage request one time, and each participating company returns a competitive quote based on that data. This eliminates the need for quotation requests for every auto insurance company. To submit your quote information now, click to open in new window.

The one downside to pricing coverage this way is you can’t choose the providers you want pricing from. If you wish to select specific insurance companies to compare prices, we have a listing of companies who write auto insurance in South Carolina. Click to view list.

Which method you use is up to you, but make absolute certain that you use identical coverage limits for each comparison quote. If each company quotes different values for each quote it will be next to impossible to make an equal comparison in Fort Mill. Having just a slight variation in limits could mean much higher rates. And when price shopping your coverage, comparing more company’s prices helps locate the best rates.

Tips to Get Lower Fort Mill Rates

An important part of buying insurance is that you know the rating factors that play a part in calculating the price you pay for auto insurance. Having a good understanding of what controls the rates you pay allows you to make educated decisions that may reward you with better auto insurance rates.

  • Is your vehicle built for speed? – The performance of the car you are buying insurance for makes a huge difference in how high your rates are. The lowest base rates tend to be for lower performance four cylinder passenger cars, but there are many factors that impact the final cost.
  • Special features that cut premiums – Purchasing a vehicle with anti-theft technology or alarm system can get you a discount on your auto insurance. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping auto theft.
  • Keep rates low by being claim-free – If you frequently file small claims, you can definitely plan on either a policy non-renewal or much higher rates. Companies in South Carolina award lower rates to drivers who file claims infrequently. Auto insurance is meant to be used in the event of major claims that would cause financial hardship.
  • Where do you drive? – The more you drive each year the more you’ll pay to insure your vehicle. Most insurance companies rate vehicles based on how the vehicle is used. Cars left parked in the garage receive lower rates than those used for commuting. Make sure your auto insurance policy shows the correct driver usage, because improper ratings can cost you money.
  • Drive a safer car and pay less – Vehicles with good safety scores get lower rates. The safest vehicles have better occupant injury protection and lower injury rates translates into savings for insurance companies and lower rates for you.
  • Men are more aggressive – Statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that women are BETTER drivers than men. Women and men are in accidents in similar numbers, but men cause more damage. Men also receive more costly citations like reckless driving and DUI. Youthful male drivers are the most expensive to insure and therefore have the most expensive auto insurance rates.
  • Big city or small town – Being located in a small town can be a good thing when buying auto insurance. City drivers tend to have much more traffic and longer commute times. Fewer people means reduced accidents as well as less vandalism and auto theft.
  • Bump up deductibles to save – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of covered claims would be colliding with a building, vandalism, and rolling your vehicle. Physical damage deductibles are how much you are required to spend if you file a covered claim. The more expense you’re willing to pay, the less your auto insurance will be.

Don’t assume everyone needs the same coverage

When it comes to choosing proper insurance coverage, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For instance, these questions can help discover if your insurance needs would benefit from an agent’s advice.

  • Do I pay less if my vehicle is kept in my garage?
  • How can I get high-risk coverage after a DUI?
  • Do I need rental car coverage?
  • Is my nanny covered when driving my vehicle?
  • Does my vehicle qualify for pleasure use?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Do you really save 40% when you switch?

Auto insurance providers like 21st Century, Allstate and State Farm consistently run ads in print and on television. They all make the same claim of big savings if you change to their company. How does each company make almost identical claims? It’s all in the numbers.

All companies have a preferred profile for the type of customer that makes them money. An example of a desirable insured could be between the ages of 30 and 50, a clean driving record, and chooses high deductibles. Any driver who meets those qualifications gets the lowest rates and is almost guaranteed to cut their rates substantially.

Drivers who don’t qualify for the requirements will have to pay more money which leads to the driver buying from a lower-cost company. The ads state “people who switch” not “everyone that quotes” save money. That’s the way companies can state the savings.

Because of the profiling, you absolutely need to get as many comparisons as possible. It’s just too difficult to predict which company will fit your personal profile best.

compare rates in Fort Mill South Carolina

One last thing

As you prepare to switch companies, you should never sacrifice coverage to reduce premiums. There have been many cases where drivers have reduced physical damage coverage only to find out that the small savings ended up costing them much more. Your focus should be to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.

Drivers change insurance companies for many reasons like not issuing a premium refund, an unsatisfactory settlement offer, delays in responding to claim requests or even high rates after DUI convictions. It doesn’t matter what your reason, finding a new company can be easy and end up saving you some money.

Discount auto insurance can be sourced from both online companies and with local Fort Mill insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some auto insurance companies do not offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.

Additional auto insurance information is located on the South Carolina Department of Insurance website. Click here for link. South Carolina consumers can learn about specific coverages, download brochures, and read enforcement actions against agents and companies.