Tightwads Tips for Saving on Andrews Car Insurance

Scraping up a payment for overpriced car insurance can overdraw your checking account, especially in this economy. Doing a price comparison is free and is an excellent way to help make ends meet. You have so many to buy insurance from, and even though it's nice to be able to choose, lots of choices makes it harder to compare rates.

Pricing the cheapest coverage in Andrews is quite easy. If you have insurance now or are shopping for new coverage, you will benefit by learning to shop for the lowest rates while maintaining coverages. South Carolina vehicle owners just need to know the proper methods to buy car insurance online.

Learn How to Buy Car Insurance Cheaper

Consumers need to have an understanding of the rating factors that go into determining the rates you pay for car insurance. Knowing what controls the rates you pay helps enable you to make changes that could result in lower car insurance prices.

  • Add-on coverages can add up - There are many add-on coverages that you can get tricked into buying when buying car insurance. Coverages for rental car reimbursement, accidental death and membership fees may be wasting your money. They may seem like a good idea when you first buy your policy, but your needs may have changed so eliminate them to save money.
  • Are you male or female? - Statistics have proven that women are safer drivers than men. That doesn't necessarily mean that men are WORSE drivers than women. Women and men are in accidents in similar percentages, but the male of the species cause more damage. Men also tend to have more aggressive citations like DUI and reckless driving. Teenage male drivers are most likely to cause an accident and are penalized with high car insurance rates.
  • Bad driving skills means higher rates - Drivers with clean records have lower premiums than bad drivers. Only having one ticket may increase your cost by as much as thirty percent. Drivers with serious tickets like hit and run, DWI or reckless driving convictions are required to submit a SR-22 form to the state department of motor vehicles in order to continue driving.
  • Discounts for married couples - Having a spouse can actually save you money on your car insurance policy. Having a spouse usually means you are more mature than a single person and it's proven that married drivers get in fewer accidents.
  • Choose a safe vehicle and save - Cars with high safety ratings tend to have better insurance rates. Safe vehicles have better occupant injury protection and any reduction in injury severity translates into savings for insurance companies and thus lower rates.
  • Theft deterrents lower rates - Purchasing a vehicle with an alarm system can get you a discount on your car insurance. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your vehicle from being stolen.

car insurance in Andrews

Are you getting all your discounts?

Insurance can be prohibitively expensive, buy you may qualify for discounts that you may not even be aware of. A few discounts will automatically apply when you get a quote, but less common discounts must be asked for before you will receive the discount. If you're not getting every credit you deserve, you are paying more than you should be.

  • Fewer Miles Equal More Savings - Driving fewer miles can earn better rates on cars that stay parked.
  • Accident Waiver - Certain companies will forgive one accident before hitting you with a surcharge so long as you haven't had any claims prior to the accident.
  • Good Student Discount - This discount can get you a discount of up to 25%. This discount can apply until age 25.
  • Paperless Signup - Certain companies may give you up to $50 for buying a policy and signing up over the internet.
  • Senior Citizens - If you're over the age of 55, you may qualify for a discount up to 10%.
  • Military Discounts - Having a family member in the military could mean lower rates.
  • Passive Restraint Discount - Vehicles equipped with air bags or automatic seat belts may earn rate discounts of more than 20%.
  • Defensive Driver - Completing a defensive driving course could cut 5% off your bill if your company offers it.
  • Drivers Education - Cut your cost by having your teen driver enroll in driver's education in school.

Consumers should know that most discount credits are not given to all coverage premiums. Some only apply to individual premiums such as liability and collision coverage. Even though it may seem like all the discounts add up to a free policy, companies don't profit that way. But all discounts will bring down the cost of coverage.

To choose insurers offering car insurance discounts in South Carolina, click this link.

How can 21st Century, Allstate and State Farm save drivers who switch?

Consumers in South Carolina can't ignore all the ads for car insurance savings from companies such as 21st Century, Allstate and State Farm. All the companies make the same claim that you'll save big if you switch your policy.

How does each company claim to save you money?

All companies have a preferred profile for the right customer that makes them money. For example, a profitable customer might be between 30 and 50, insures multiple vehicles, and has great credit. Any driver who matches those parameters will qualify for the lowest rates and as a result will probably save when switching.

Drivers who are not a match for these standards must pay higher premiums which leads to the customer not buying. The ad wording is "customers that switch" not "everybody who quotes" save that kind of money. This is how companies can advertise the savings.

This illustrates why you should get a wide range of price quotes. You cannot predict which insurance companies will give you the biggest savings.

For more South Carolina car insurance information

Much more information about car insurance in South Carolina can be found on the website for the South Carolina Department of Insurance located here. Visitors are able to discover disciplinary actions, learn about insurance regulations, file complaints about a company, and get help finding coverage.

In the end, you save

Discount car insurance is available both online in addition to many Andrews insurance agents, so compare prices from both to have the best chance of lowering rates. There are still a few companies who do not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

We just presented some good ideas how to save on car insurance. The key thing to remember is the more companies you get rates for, the better your chances of lowering your rates. You may even discover the best prices are with the least-expected company. Some small companies may often insure only within specific states and give getter rates than the large multi-state companies such as .

As you prepare to switch companies, never buy poor coverage just to save money. There are a lot of situations where drivers have reduced physical damage coverage only to discover later that the small savings ended up costing them much more. The proper strategy is to get the best coverage possible at a price you can afford while not skimping on critical coverages.