7 Simple Tricks to Lower Car Insurance Costs in Cayce, SC

Are you sick and tired of being strong-armed each month for car insurance? You are in the same boat as many other South Carolina consumers.

Popular companies such as State Farm, Allstate, GEICO and Progressive continually hit you with catchy ads and it can be hard to sift through the bull and find the best price available.

It's important to shop coverage around before your policy renews since rates are constantly changing. Just because you found the best deal six months ago there may be better deals available now. Starting now, forget all the misinformation about car insurance because we're going to show you the only way to find better rates and still maintain coverage.

If you currently have car insurance, you should be able to save some money using these methods. Buying car insurance in Cayce is quite easy. Nevertheless, South Carolina consumers do need to know the way companies sell online and take advantage of how the system works.

Cayce car insurance comparison

Save big with these seven discounts

Car insurance companies do not advertise all their discounts in a way that's easy to find, so here is a list both the well known and the harder-to-find ways to save on car insurance.

  • Senior Citizens - Older drivers may receive a small decrease in premiums.
  • Claim Free - Claim-free drivers can earn big discounts as compared to frequent claim filers.
  • Club Memberships - Being a member of a civic or occupational organization could trigger savings on car insurance.
  • Pay Now and Pay Less - If paying your policy premium upfront rather than paying monthly you could save up to 5%.
  • Auto/Life Discount - Larger companies have better rates if you take out life insurance from them.
  • Drive Less and Save - Low mileage vehicles can qualify you for better rates on cars that stay parked.
  • Multiple Cars - Insuring all your vehicles on one policy qualifies for this discount.

Consumers should know that most discount credits are not given to the entire cost. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because you may think you would end up receiving a 100% discount, companies don't profit that way.

For a list of companies with discount car insurance rates in Cayce, click this link.

Compare Cayce Car Insurance Costs

There are several ways to get quotes and find the best price. The recommended way to find competitive insurance rates is to use the internet to compare rates. This can be accomplished in several different ways.

One of the best ways to find low rates is to use a rate comparison form click to view form in new window. This form prevents you from having to do boring form submissions for each company. In just a few minutes this one form gets you price quotes from all major companies.

A more time consuming way to get quotes online requires a trip to each company's website to request a price quote. For examples sake, let's say you want rates from , and . You would have to take the time to go to each site to input your insurance information, and that's why the first method is more popular.

To view a list of companies in Cayce, click here.

The hardest way of getting rate comparisons is to waste gas driving to insurance agents' offices. Shopping for car insurance online makes this process obsolete unless you have a need for the professional guidance of a licensed agent. Drivers can compare online quotes and still use a local agent and we'll cover that in a bit.

It's up to you how you get prices quotes, just ensure you're using exactly the same quote information for each price quote. If the quotes have mixed coverages you will not be able to truly determine the lowest rate in Cayce. Having just a slight variation in coverage limits may result in large price differences. And when price shopping your coverage, comparing more company's prices will increase your chances of finding a better price.

Affordable insurance is out there

As you restructure your insurance plan, it's not a good idea to sacrifice coverage to reduce premiums. There are many occasions where an accident victim reduced comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your aim should be to get the best coverage possible for the lowest price.

Cost effective car insurance can be sourced both online as well as from independent agents in Cayce, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies don't offer online quoting and most of the time these smaller companies sell through independent agents.