How to Find Low-Cost Conway Auto Insurance

Comparison shopping for Conway auto insurance is challenging for consumers new to shopping for insurance online. You have so many choices that it can be more work than you anticipated to compare prices in Conway.

Finding affordable coverage in Conway is easy if you know what you're doing. If you have a current auto insurance policy or are looking for a new policy, you can learn to find better prices while maximizing coverage. South Carolina vehicle owners just need to know the best way to compare rates over the internet.

Policy discounts you shouldn't miss

Car insurance companies don't list all available discounts very well, so here is a list some of the best known and also the lesser-known auto insurance savings. If you don't get every credit available, you are throwing money away.

  • Service Members Pay Less - Having a deployed family member may qualify for rate reductions.
  • Employee of Federal Government - Active or retired federal employment can earn a discount up to 10% depending on your company.
  • Auto/Home Discount - If you have multiple policies with one company you will save 10% to 20% off each policy.
  • No Accidents - Claim-free drivers can earn big discounts when compared with drivers who are more careless.
  • Anti-theft System - Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
  • Early Switch Discount - Some companies give discounts for signing up prior to your current policy expiring. It's a savings of about 10%.
  • Discount for Life Insurance - Select insurance companies reward you with a break if you buy life insurance from them.
  • New Vehicle Savings - Adding a new car to your policy is cheaper compared to insuring an older model.
  • Driver's Ed - Make teen driver coverage more affordable by requiring them to enroll in driver's education if it's offered in school.
  • Payment Method - If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.

Drivers should understand that most of the big mark downs will not be given to the entire cost. The majority will only reduce specific coverage prices like liability and collision coverage. So even though it sounds like you could get a free auto insurance policy, companies wouldn't make money that way.

auto insurance in Conway

Save $429 a year? Really?

South Carolina drivers get pounded daily by advertisements for the lowest price auto insurance by 21st Century, Allstate and State Farm. All the companies say the same thing that you'll save big after switching to their company.

But how can every company say the same thing? It's all in the numbers.

Different companies can use profiling for the driver that earns them a profit. An example of a profitable customer might be profiled as between the ages of 40 and 55, is a homeowner, and drives less than 7,500 miles a year. A propective insured who fits that profile gets the lowest rates and is almost guaranteed to save a lot of money.

Potential customers who don't qualify for this ideal profile must pay higher prices which usually ends up with business not being written. Company advertisements say "customers who switch" but not "drivers who get quotes" save that much. That's why companies can advertise the way they do. This illustrates why you should get as many comparisons as possible. It's not possible to predict the company that will provide you with the cheapest rates.

More detailed South Carolina auto insurance information is available at the South Carolina Department of Insurance website. South Carolina drivers can find disaster information, download brochures, and view agent and company licensing information.

Also read more on this page for auto insurance prices in South Carolina and this page of Conway insurance agents.

And the best car insurance company is...

Budget-conscious auto insurance can be purchased on the web and also from your neighborhood Conway agents, so you should be comparing quotes from both so you have a total pricing picture. Some auto insurance companies may not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

Consumers change insurance companies for a variety of reasons including delays in responding to claim requests, high rates after DUI convictions, policy non-renewal and even an unsatisfactory settlement offer. No matter why you want to switch, finding a new auto insurance company is less work than it seems.

When shopping online for auto insurance, do not buy lower coverage limits just to save a few bucks. There are a lot of situations where an accident victim reduced liability limits or collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy the best coverage you can find at the best price while not skimping on critical coverages.