Free Guide to Saving Money on Wagener Car Insurance Online

No one in their right mind looks forward to paying for car insurance, particularly when the cost is way too high. Companies like GEICO and Progressive continually hit you with TV and radio ads and it is difficult to sift through the bull and effectively compare rates to find the best deal.

Save big with these discounts

Companies that sell car insurance don't always list every discount in a way that's easy to find, so we took the time to find both the well known as well as the least known savings tricks you should be using. If you aren't receiving every discount you qualify for, you are throwing money away.

Service Members Pay Less - Being on active duty in the military could mean lower rates.
Early Signing - Some insurance companies reward drivers for buying a policy prior to your current policy expiring. This can save 10% or more.
Passive Restraint Discount - Cars that have air bags or motorized seat belts can qualify for discounts up to 30%.
Federal Employees - Active or retired federal employment can save as much as 8% with a few car insurance companies.
Life Insurance - Some companies give better rates if you take out a life insurance policy as well.

Keep in mind that most discount credits are not given to the entire policy premium. Some only reduce individual premiums such as liability and collision coverage. Even though it may seem like all the discounts add up to a free policy, it just doesn't work that way.

You have some control over your rates

Smart consumers have a good feel for the different types of things that go into determining the rates you pay for car insurance. Having a good understanding of what influences your rates enables informed choices that will entitle you to lower car insurance prices.

Listed below are a few of the "ingredients" car insurance companies consider when setting prices.

Safer cars are cheaper to insure - Cars with high safety ratings can get you lower premiums. The safest vehicles reduce injuries and any reduction in injury severity means less money paid by your insurance company and more competitive rates for policyholders.
Performance level impacts rates - The type of car you are buying insurance for makes a huge difference in the rate you pay. Small economy passenger cars usually have the lowest rates, but the cost you end up paying is determined by many additional factors.
How credit affects car insurance rates - Having a bad credit score is a important factor in determining your rates. So if your credit score is lower than you'd like, you could potentially save money when insuring your by improving your credit score. Drivers who have high credit scores tend to be better drivers and file fewer claims than those with poor credit.
Frequent car insurance claims increase rates - If you tend to file frequent claims, you can look forward to either a policy non-renewal or much higher rates. Companies in South Carolina award cheaper rates to drivers who are claim-free. Auto insurance is intended for larger claims.

But I don't know anything about car insurance

When it comes to buying the right insurance coverage for your vehicles, there really is not a "best" method to buy coverage. Everyone's situation is a little different so your insurance should reflect that These are some specific questions may help highlight if your situation might need an agent's assistance.

Do I have coverage when using my vehicle for my home business?
Does my car insurance cover rental cars?
Should I drop comprehensive coverage on older vehicles?
Do I have coverage for damage caused while driving under the influence?
When does my teenage driver need to be added to my policy?
What are the best liability limits?

If you're not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don't have a local agent, complete this form or you can also visit this page to select a carrier It's fast, doesn't cost anything and can help protect your family.

Car insurance ads bend the truth

Consumers in South Carolina get pounded daily by advertisements for cheaper car insurance by State Farm, Allstate and GEICO. They all make an identical promise that you can save if you switch to their company.

How can each company claim to save you money?

All companies have a certain "appetite" for the driver that earns them a profit. For example, a driver they prefer might be between the ages of 30 and 50, a clean driving record, and drives less than 10,000 miles a year. Any new insured who meets those qualifications will get very good rates and most likely will save when they switch companies.

Potential insureds who fall outside the requirements will be quoted more money and ends up with the customer not buying. The ads say "customers that switch" not "people who quote" save that much. That is how insurance companies can advertise the way they do. This emphasizes why drivers should get quotes from several different companies. It's just too difficult to predict which company will provide you with the cheapest rates.

Additional South Carolina consumer information

Additional detailed information can be found at the South Carolina Department of Insurance website. Visitors are able to find disaster information, learn about specific coverages, find out industry alerts, and download brochures.

In the end, you save

We just covered some good ideas how you can reduce car insurance prices online. The key thing to remember is the more providers you compare, the better your chances of lowering your rates. You may be surprised to find that the lowest rates come from some of the lesser-known companies. Regional companies can often insure niche markets at a lower cost than their larger competitors like .

As you go through the steps to switch your coverage, it's a bad idea to skimp on coverage in order to save money. There have been many situations where someone dropped physical damage coverage only to regret at claim time that the savings was not a smart move. The proper strategy is to find the BEST coverage at a price you can afford while still protecting your assets.