Getting Low-Cost Belton Auto Insurance

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Trust us when we tell you you're not the only one. Having so many choices, it can be hard to locate the right insurance company.

It's important to compare prices every six months because prices are constantly changing. Just because you had the best deal last year you will most likely find a better rate today. So block out anything you think you know about auto insurance because you're going to get a crash course in the proper way to find lower rates on auto insurance.

Save big with these discounts

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that you may not even be aware of. Some discounts apply automatically when you complete an application, but some must be asked for before they will apply. If you don't get every credit possible, you are throwing money away.

  • Senior Citizens - If you qualify as a senior citizen, you may qualify for a small decrease in premiums.
  • Homeowners Discount - Owning a house in Belton may trigger a auto insurance policy discount because owning a home requires personal responsibility.
  • Early Signing - Some companies give discounts for buying a policy prior to your current policy expiring. This can save 10% or more.
  • Discount for Good Grades - Performing well in school can earn a discount of 20% or more. The discount lasts until age 25.
  • Sign Online - A few companies may give you up to $50 for buying your policy online.
  • Multi-car Discount - Insuring more than one vehicle on one policy can get a discount on all vehicles.

As a disclaimer on discounts, most credits do not apply to all coverage premiums. Some only apply to specific coverage prices like liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, auto insurance companies aren't that generous. Any amount of discount will help reduce your overall premium however.

Belton auto insurance comparison

Auto insurance ads bend the truth

Consumers in South Carolina get pounded daily by advertisements that promise big savings from the likes of Progressive, GEICO, Allstate and State Farm. They all seem to say the same thing about savings if you switch your coverage to them.

But how can every company claim to save you money? It's all in the numbers.

Insurance companies are able to cherry pick for the type of customer that earns them a profit. An example of a desirable insured might be over the age of 50, has no driving citations, and has great credit. A customer getting a price quote who fits that profile will qualify for the lowest rates and most likely will save a lot of money.

Consumers who fall outside this ideal profile will have to pay higher rates which usually ends up with the customer not buying. The ad wording is "customers who switch" not "people who quote" save that much money. That's the way companies can truthfully advertise the savings.

Because of the profiling, you should get quotes from several different companies. It's impossible to know which auto insurance company will give you the biggest savings.

Learn more about South Carolina auto insurance

Additional information is available on the website for the South Carolina Department of Insurance found here. Visitors are able to read enforcement actions against agents and companies, report car insurance fraud, learn about specific coverages, and file complaints about a company.

Also read more on this Car Insurance FAQ and this page of insurance agents in Belton.

A tidy conclusion

As you prepare to switch companies, don't be tempted to buy lower coverage limits just to save a few bucks. There are many occasions where someone sacrificed liability limits or collision coverage only to find out that the small savings ended up costing them much more. Your aim should be to get the best coverage possible at the best price.

Cheap auto insurance is available both online as well as from independent agents in Belton, and you should be comparing both to get a complete price analysis. There are still a few companies who don't offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

We covered a lot of tips how to reduce auto insurance prices online. The key thing to remember is the more times you quote, the better chance you'll have of finding lower rates. Consumers could even find that the biggest savings come from some of the smallest insurance companies. Regional companies may have significantly lower rates on certain market segments than their larger competitors like .