How to Know You're Throwing Money Away for Auto Insurance in Bishopville

Sick and tired of paying out the nose each month for car insurance? You are in the same boat as the majority of other car owners in South Carolina. Insurance companies such as GEICO and Progressive constantly blast consumers with ad campaigns and it is difficult to sift through the bull and do the work needed to find the best deal.

It's important to get comparison quotes once or twice a year because prices are constantly changing. Despite the fact that you may have had the best rates two years ago you may be paying too much now. You'll find quite a bit of inaccurate information about auto insurance on the web, but we're going to give you some great ways to slash your auto insurance rates.

Fast and Easy Bishopville Auto Insurance Quotes

Effectively comparing auto insurance prices is a ton of work if you don't know the most efficient way. You could spend your day talking about coverages with insurance agencies in Bishopville, or you could use the web to get rate comparisons in just a few minutes.

All the larger companies participate in a marketplace that enables customers to submit one quote, and every company can provide price quotes for coverage. This eliminates the need for quote requests to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

The one disadvantage to using this type of form is buyers cannot specifically choose which companies you will receive quotes from. So if you want to select from a list of companies to request quotes from, we put together a list of companies who write auto insurance in South Carolina. Click to view list.

Whichever way you use, double check that you are using exactly the same coverage information with each company. If you use unequal deductibles or liability limits you can't possibly make an equal comparison in Bishopville.

Understand what determines the rate you pay

It's important that you understand some of the elements that help determine the rates you pay for auto insurance. Having a good understanding of what impacts premium levels helps enable you to make changes that can help you get much lower annual insurance costs.

Clean credit earns discounts - Your credit history is a big factor in your rate calculation. Therefore, if your credit score is not that good, you could be paying less to insure your by improving your credit score. Consumers who have good credit tend to be less risk to insure than drivers who have lower credit scores.
Save money with special equipment - Driving a car with a theft deterrent system can help bring down rates. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.
Men pay higher rates - The statistics show women are more cautious behind the wheel. However, this does not mean men are WORSE drivers than women. Both sexes cause accidents at a similar rate, but men have costlier accidents. Men also get cited for more serious violations like DUI and reckless driving. Youthful male drivers are the most expensive to insure and thus pay the highest rates.
Your auto insurance rates can be influenced by your job - Did you know your occupation can influence how much you pay for auto insurance? Occupations like real estate brokers, architects and dentists are shown to have the highest average rates due to high stress levels and long work days. Other jobs such as farmers, historians and performers pay the least.
Low deductibles can be expensive - Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, protects your car from damage. Some examples of claims that would be covered would be collision with another vehicle, damage from fire, and burglary. Your deductibles are the amount of money you are required to spend before your auto insurance pays a claim. The more expense the insured has to pay upfront, the less your company will charge you for insurance.
Keep rates low by being claim-free - If you file claims often, you can definitely plan on either policy cancellation or increased premiums. Insurance companies in South Carolina provide cheaper rates to insureds who do not rely on their insurance for small claims. Your insurance policy is intended for major claims that would cause financial hardship.
Please use or commuting - Driving more miles every year the higher your rates will be. The majority of insurers charge to insure your cars based upon how you use the vehicle. Vehicles used primarily for pleasure use get more affordable rates as compared to vehicles used primarily for driving to work. Double check that your auto insurance coverage is rated on the proper vehicle usage.

Don't pay full price with these discounts

Car insurance can cost a lot, but companies offer discounts to cut the cost considerably. Certain discounts will be triggered automatically at the time of quoting, but some may not be applied and must be specially asked for before you will receive the discount. If you aren't receiving every discount available, you're just leaving money on the table.

Passive Restraints - Vehicles with factory air bags can qualify for discounts of 20% or more.
Payment Method - If you pay your bill all at once rather than paying monthly you could save 5% or more.
Senior Citizens - Older drivers may be able to get a discount up to 10%.
No Claims - Claim-free drivers pay less compared to frequent claim filers.
Homeowners Pay Less - Being a homeowner may trigger a auto insurance policy discount due to the fact that maintaining a home demonstrates responsibility.
Employee of Federal Government - Simply working for the federal government could cut as much as 10% off with certain companies.

A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. Most only apply to specific coverage prices like medical payments or collision. So when it seems like all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will reduce your premiums.

For a list of providers who offer auto insurance discounts in Bishopville, follow this link.

Additional information can be read on the website for the South Carolina Department of Insurance found here. Visitors are able to find out industry alerts, view a list of available companies, learn about insurance regulations, and read industry bulletins.

And the best car insurance company is...

We covered many ways to lower your auto insurance rates. The most important thing to understand is the more you quote, the higher your chance of finding lower rates. Consumers could even find that the lowest priced auto insurance comes from a small mutual company. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as .

When buying insurance coverage, it's a bad idea to reduce needed coverages to save money. There have been many cases where an insured dropped collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to buy a smart amount of coverage at the best price, not the least amount of coverage.