Proven Techniques to Save on Ridgeland Auto Insurance

Paying for high-priced auto insurance can take a big chunk out of your bank account and force you to make sacrifices. Comparison shopping is a great way to reduce premiums and put more money in your pocket. Insurance companies such as GEICO and Progressive constantly blast consumers with fancy advertisements and it can be hard to sift through the bull and effectively compare rates to find the best deal.

Save big with these discounts

Properly insuring your vehicles can get expensive, but there are discounts available to help offset the cost. Larger premium reductions will be automatically applied when you complete an application, but some may not be applied and must be asked for before they will apply. If you aren't receiving every discount you deserve, you are throwing money away.

  • Accident Free - Drivers who don't have accidents pay less when compared to drivers who are more careless.
  • Own a Home - Simply owning a home can save you money because of the fact that having a home demonstrates responsibility.
  • Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class in high school.
  • Accident Waiver - A handful of insurance companies will allow you to have one accident before your rates go up if your claims history is clear prior to the accident.
  • Distant Student - Youth drivers living away from home attending college without a vehicle on campus may qualify for this discount.
  • Pay Upfront and Save - By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.

A little note about advertised discounts, some of the credits will not apply to all coverage premiums. Most only cut the price of certain insurance coverages like comp or med pay. Just because you may think it's possible to get free car insurance, you won't be that lucky. Any amount of discount will reduce your overall premium however.

Auto insurance ads bend the truth

Consumers in South Carolina get pounded daily by advertisements for car insurance savings by companies like Progressive, Allstate and GEICO. They all have a common claim about savings if you move to them.

How can each company claim to save you money? This is how they do it.

All companies have a preferred profile for the type of driver that earns them a profit. A good example of a driver they prefer might be a mature driver, insures multiple vehicles, and has great credit. A customer getting a price quote that hits that "sweet spot" will qualify for the lowest rates and most likely will save when they switch companies.

Consumers who fall outside the requirements will be quoted higher rates and this can result in the customer not buying. The ad wording is "drivers who switch" not "people who quote" save money. This is how companies can truthfully advertise the savings.

This emphasizes why you should get as many comparisons as possible. It's impossible to know which insurance companies will give you the biggest savings.

Additional information can be read on the website for the South Carolina Department of Insurance. Click here for link. Visitors are able to read industry bulletins, get help finding coverage, download brochures, and learn about insurance regulations.

A tidy conclusion

Cheaper auto insurance is possible both online and with local Ridgeland insurance agents, and you need to price shop both to get a complete price analysis. There are still a few companies who do not offer you the ability to get quotes online and these small insurance companies work with independent agents.

We covered a lot of techniques to reduce auto insurance prices online. The key concept to understand is the more price quotes you have, the higher the chance of saving money. You may even find the best price on auto insurance is with a smaller regional carrier. Regional companies may cover specific market segments cheaper than their larger competitors like .