No one likes paying for auto insurance, especially when their premiums are too high. Drivers have multiple auto insurance companies to purchase coverage from, and although it’s nice to have a selection, it makes it harder to locate the cheapest rates.
Shopping for the cheapest coverage in Cayce is easy if you know what you’re doing. If you have a current auto insurance policy or are just looking to switch companies, you can learn to find better prices and still get good coverage. South Carolina vehicle owners just need to know the proper way to shop over the internet.
Lower rates by qualifying for discounts
Insurance can be prohibitively expensive, but there are discounts available to help bring down the price. Certain discounts will be triggered automatically at the time of purchase, but some must be asked about before they will apply. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.
- Driver’s Ed – Have your child enroll in driver’s education if offered at their school.
- Senior Discount – Older drivers may be able to get a small decrease in premiums.
- Auto/Life Discount – Some companies give lower rates if you buy life insurance from them.
- New Car Discount – Putting insurance coverage on a new car can save up to 30% due to better safety requirements for new cars.
- Claim Free – Good drivers with no accidents can save substantially when compared with accident-prone drivers.
- More Vehicles More Savings – Insuring multiple cars or trucks on one policy can get a discount on all vehicles.
Consumers should know that most of the big mark downs will not be given to the entire policy premium. Some only reduce the price of certain insurance coverages like comprehensive or collision. So even though it sounds like you can get free auto insurance, companies wouldn’t make money that way. But all discounts will help reduce your overall premium however.
For a list of providers who offer auto insurance discounts in South Carolina, click here to view.
Car insurance is unique, just like you
When buying the right insurance coverage, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions may help you determine if your insurance needs would benefit from an agent’s advice.
- Am I covered when driving a rental car?
- What if I total my vehicle and owe more than it’s worth?
- Do I qualify for additional discounts?
- Is borrowed equipment or tools covered if stolen or damaged?
- Is my vehicle covered for smoke damage?
- Why does it cost so much to insure a teen driver in Cayce?
- Where can I get insurance after a DUI in South Carolina?
- Do I need rental car coverage?
- Should I file a claim if it’s only slightly more than my deductible?
- Do I need special endorsements for business use of my vehicle?
If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area. It only takes a few minutes and may give you better protection.
Much more information about auto insurance in South Carolina can be read on the website for the South Carolina Department of Insurance through this link. Visitors are able to learn about insurance regulations, discover disciplinary actions, report car insurance fraud, and find disaster information.
Summing up your auto insurance search
While you’re price shopping online, never buy less coverage just to save a little money. There are many occasions where an insured cut full coverage and learned later that they should have had better coverage. The aim is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.
In this article, we covered some good ideas how to save on auto insurance. The key thing to remember is the more rate quotes you have, the better likelihood of reducing your rate. You may even discover the biggest savings come from some of the lesser-known companies. Some small companies can often insure niche markets at a lower cost compared to the large companies like State Farm or Progressive.