North Charleston Auto Insurance For Less Than You're Paying Now

If online auto insurance comparisons are new to you, it's easy to be confused by the hoards of auto insurance companies selling insurance in North Charleston.

It's important to take a look at other company's rates occasionally because insurance rates are constantly changing. Just because you had the best rates two years ago you can probably find a lower rate today. There is a lot of wrong information about auto insurance on the web, but I'm going to show you some great ways to find affordable auto insurance.

Locating affordable coverage in North Charleston can be fairly easy. Just about everyone who has to buy auto insurance will most likely be able to reduce their rates. Nevertheless, South Carolina drivers do need to know how insurance companies sell insurance online.

North Charleston auto insurance comparison

North Charleston Auto Insurance Quote Comparison

Most companies quote coverage prices on their websites. Getting online rates is pretty painless as you just type in your coverage preferences as detailed in the form. When the form is submitted, the company's rating system will obtain information on your driving record and credit history and provides a quote determined by many factors.

This helps simplify price comparisons, but the work required to visit different websites and complete many quote forms can be a bit tiresome and repetitive. But it's very important to do this if you are searching for better auto insurance pricing.

There is an easier way!

A quicker way to get multiple rate quotes uses one simple form that gets price quotes from several companies at one time. The form is fast, requires much less work on your part, and makes comparison shopping much easier. As soon as the form is sent, it is quoted and you can choose any or none of the quotes returned.

If you find a better price you can simply submit the application and purchase coverage. It can be completed in less than 10 minutes and can result in significant savings.

To save time and find out what other companies charge, click here to open in new window and enter your information. If you have your current policy handy, we recommend you type in your coverages exactly as they are listed on your policy. This ensures you are getting a price comparison for similar insurance coverage.

These discounts can lower your rates

The cost of insuring your cars can be expensive, but you can get discounts that you may not even be aware of. Some discounts apply automatically at quote time, but some may not be applied and must be specially asked for in order for you to get them.

  • College Student - Youth drivers living away from home attending college and do not have a car can be insured at a reduced rate.
  • Anti-lock Brakes - Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
  • Early Signing - Some companies give discounts for switching policies before your current expiration date. This can save 10% or more.
  • Passive Restraints - Factory air bags or motorized seat belts can receive discounts of up to 25% or more.
  • Defensive Driver - Successfully completing a course in driver safety can save you 5% or more and easily recoup the cost of the course.
  • Save over 55 - Mature drivers may qualify for better auto insurance rates.
  • Multi-car Discount - Buying coverage for more than one vehicle on the same auto insurance policy can get a discount on all vehicles.

It's important to understand that some of the credits will not apply to your bottom line cost. The majority will only reduce specific coverage prices like liability, collision or medical payments. So when it seems like adding up those discounts means a free policy, it doesn't quite work that way. Any qualifying discounts will help reduce the cost of coverage.

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

Different people need different coverages

When choosing coverage for your vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else's.

For instance, these questions might point out whether you may require specific advice.

  • What are South Carolina no-fault laws?
  • Does my insurance cover a custom paint job?
  • Does my car insurance cover rental cars?
  • Can I rate high risk drivers on liability-only vehicles?
  • Should I rate my vehicle as pleasure use or commute?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • Am I covered when driving on a suspended license?

If you can't answer these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form.

For more South Carolina car insurance information

Additional auto insurance information can be read on the South Carolina Department of Insurance website found here. South Carolina consumers can read enforcement actions against agents and companies, find out industry alerts, and learn about specific coverages.

Additional helpful sites include Auto Insurance 101 and this page of insurance agents in North Charleston.