There isn’t a single person who likes paying for car insurance, in particular when they are paying too much. Big companies like State Farm, Farmers Insurance, Geico and Allstate all claim big savings, bombarding you with ads and it is difficult to ignore the propoganda and do the work needed to find the best deal.
If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using this strategy. Buying car insurance in Seneca is quite easy. Although South Carolina drivers must understand how big insurance companies sell online and apply this information to your search.
There are multiple methods you can shop for car insurance but there is one way that is less labor-intensive and much quicker. You could spend the better part of a day talking to agents in Seneca, or you can utilize online quotes for quick rates.
Many of the larger companies belong to a marketplace that enables customers to send in one quote, and at least one company returns a rated price for coverage. This saves time by eliminating form submissions for each company.
To find out what other companies charge click here to open in new window.
The only drawback to comparing rates this way is that consumers can’t choose which providers to get pricing from. If you wish to select from a list of companies to compare rates, we put together a list of low cost car insurance companies in South Carolina. Click here for list of insurance companies in South Carolina.
Whichever way you use, do your best to enter exactly the same coverages on every quote you get. If you enter unequal deductibles or liability limits you will not be able to determine which rate is truly the best in Seneca. Quoting even small variations in insurance coverages or limits may result in large price differences. And when quoting car insurance, remember that more quotes increases your odds of finding the best price. Some smaller insurers to not give online price quotes, so you need to compare prices from them, too.
Are you getting every discount?
Car insurance is not cheap, but you may be missing some discounts that could help you make your next renewal payment. Certain discounts will be triggered automatically when you get a quote, but a few need to be inquired about in order for you to get them.
- No Claims – Insureds who avoid accidents and claims have much lower rates compared to policyholders that have many claims.
- Use Seat Belts – Drivers who require all occupants to buckle their seat belts can save 10% or more off the personal injury premium cost.
- Save with a New Car – Buying a new car model is cheaper because newer models keep occupants safer.
- ABS Brakes – Vehicles with ABS and/or traction control are much safer to drive and qualify for as much as a 10% discount.
- Employee of Federal Government – Active or former government employment could cut as much as 10% off depending on your company.
- Multi-car Discount – Having multiple cars with the same car insurance company qualifies for this discount.
- Pay Early and Save – If you can afford to pay the entire bill rather than paying in monthly installments you can avoid the installment charge.
- Policy Bundle Discount – When you have multiple policies with one insurance company you could get a discount of at least 10% off all policies.
- Discount for Life Insurance – Some insurance companies give lower premium rates if you buy some life insurance too.
Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the entire cost. Most only cut the cost of specific coverages such as medical payments or collision. Just because you may think having all the discounts means you get insurance for free, you aren’t that lucky.
A list of car insurance companies and their offered discounts are outlined below.
- American Family includes discounts for mySafetyValet, multi-vehicle, good student, good driver, Steer into Savings, and accident-free.
- Nationwide has discounts for Farm Bureau membership, anti-theft, multi-policy, defensive driving, good student, accident-free, and business or organization.
- MetLife discounts include accident-free, good student, multi-policy, defensive driver, and good driver.
- 21st Century may offer discounts for driver training, student driver, homeowners, theft prevention, and anti-lock brakes.
- Farmers Insurance offers premium reductions for bundle discounts, switch companies, pay in full, business and professional, homeowner, distant student, and early shopping.
- Allstate may include discounts for defensive driver, 55 and retired, farm vehicle, teenSMART discount, EZ pay plan discount, and premier discount.
Before you buy a policy, ask each insurance company to apply every possible discount. Some discounts listed above may not apply to policies in your area.
More sites with car insurance information
Additional detailed information is available at the South Carolina Department of Insurance website. Consumers can find out which companies have the most complaints, find out industry alerts, and learn about specific coverages.
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