Car Insurance in Catawba - 5 Ways to Save Money

If online car insurance comparisons are new to you, it's easy to get confused by the hoards of car insurance companies selling insurance in Catawba.

It's important to do rate comparisons periodically since rates are constantly changing. Even if you got the best rates a few years ago there may be better deals available now. There is too much inaccurate information about car insurance online, so we're going to give you some great ways to stop overpaying for insurance.

Locating the cheapest protection in Catawba can be fairly easy. In a nutshell, everyone who has to buy car insurance stands a good chance to be able to save money. Nevertheless, South Carolina consumers do need to know how big insurance companies price insurance differently.

South Carolina car insurance

Be sure to get all your discounts

Car insurance can cost a lot, but you may find discounts to reduce the price significantly. A few discounts will automatically apply at the time of purchase, but some may not be applied and must be manually applied prior to receiving the credit.

  • Early Switch Discount - Some companies give discounts for buying a policy before your current policy expires. It's a savings of about 10%.
  • Good Student - Getting good grades can save 20 to 25%. The good student discount can last well after school through age 25.
  • Discount for Life Insurance - Larger companies have a discount if you purchase life insurance from them.
  • Resident Student - Children living away from home attending college and do not have access to a covered vehicle can receive lower rates.
  • Multi-policy Discount - When you have multiple policies with one company you may earn 10% to 20% off each policy.

Consumers should know that most of the big mark downs will not be given to the entire policy premium. Most only reduce specific coverage prices like medical payments or collision. So despite the fact that it appears you could get a free car insurance policy, companies don't profit that way. Any qualifying discounts will bring down the amount you have to pay.

For a list of providers who offer car insurance discounts in South Carolina, follow this link.

How to Get Catawba Car Insurance Comparison Quotes

Effectively comparing car insurance prices is a ton of work if you don't know the most efficient way. You can waste hours talking about coverages with local insurance agents in Catawba, or you could use online quotes to quickly compare rates.

Most car insurance companies take part in a program that allows shoppers to submit their information once, and each company can provide price quotes based on that information. This eliminates the need for quote requests to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

The one disadvantage to getting quotes like this is that consumers can't choose the companies you will receive quotes from. So if you prefer to choose individual companies to request quotes from, we have a listing of companies who write car insurance in South Carolina. Click to view list.

Whichever way you use, be sure to compare identical information for every quote you compare. If the quotes have higher or lower deductibles you can't possibly determine the best price in Catawba. Just a small difference in coverage limits can mean a large discrepancy in price. Keep in mind that more quotes helps locate the best price.

How do I know if I need professional advice?

When it comes to choosing coverage for your vehicles, there isn't really a "best" method to buy coverage. Your needs are not the same as everyone else's.

For example, these questions may help highlight whether or not you might need professional guidance.

  • Does my car insurance cover rental cars?
  • Should I buy only the required South Carolina minimum liability coverage?
  • When does my teenage driver need to be added to my policy?
  • Do I pay less if my vehicle is kept in my garage?
  • What is the difference between comprehensive and collision coverage?
  • Am I covered when driving in Canada or Mexico?

If you don't know the answers to these questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form.

Shop smart and save

We just covered many ways to get a better price on car insurance. The most important thing to understand is the more you quote, the better likelihood of reducing your rate. Drivers may discover the best prices are with a small mutual company.

When shopping online for car insurance, it's very important that you do not sacrifice coverage to reduce premiums. There have been many cases where someone dropped collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to get the best coverage possible at the best price, not the least amount of coverage.

Consumers change insurance companies for a variety of reasons including high prices, delays in paying claims, policy non-renewal and extreme rates for teen drivers. Regardless of your reason, finding a new car insurance company is not as hard as you think.