Proven Ways to Save on Charleston Auto Insurance

I can't think of anyone who cherishes buying auto insurance, especially knowing they are paying too much. Multiple compete for your insurance dollar, and it can be difficult to compare rates and get the definite lowest price

It's important to do rate comparisons occasionally since insurance rates are constantly changing. Just because you found the lowest price a year ago there may be better deals available now. There is a lot of bad information regarding auto insurance online, so we're going to give you some great ways to stop overpaying for insurance.

Charleston auto insurance quote

More discounts equal less premium

Car insurance is not cheap, but you may find discounts that you may not know about. Certain discounts will be applied at the time of quoting, but a few must be specifically requested before you will receive the discount. If they aren't giving you every credit you qualify for, you're just leaving money on the table.

  • Anti-lock Brakes - Vehicles with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
  • Anti-theft Discount - Vehicles with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • E-sign - Certain companies give back up to $50 for buying your policy on their website.
  • Club Memberships - Affiliation with certain professional organizations may earn a discount on your policy.
  • Military Rewards - Being deployed with a military unit may qualify for rate reductions.
  • Accident Forgiveness - A few companies will allow you to have one accident without raising rates if you are claim-free prior to the accident.

A little note about advertised discounts, some credits don't apply to your bottom line cost. Most only apply to the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will cut your premiums.

For a list of providers who offer auto insurance discounts in Charleston, click here.

Automobile Insurance Quotes in Charleston, IL

Most major insurance companies such as Allstate and Progressive provide pricing online. Getting online quotes is pretty easy as you simply enter your coverage preferences into the quote form. Once entered, their system will obtain information on your driving record and credit history and returns a price quote based on many factors. Quoting online makes comparing rates easy, but the process of having to visit several different sites and fill out multiple forms is repetitive and time-consuming. Unfortunately, it is important to compare as many rates as possible if you want to find a lower rate.

A more efficient way to get multiple rate quotes requires only one form to return rates from a bunch of companies at once. It's a real time-saver, requires much less work on your part, and makes quoting online much more enjoyable. After your information is entered, it gets priced and you can select any of the quotes that you receive.

If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. The whole process can be completed in a matter of minutes and you will find out if you're overpaying now.

To quickly find out how much you're overpaying now, click here and complete the simple form. If you have coverage now, it's recommended you input the coverages as close as possible to your current policy. This helps ensure you will receive rate comparison quotes based on identical coverages.

It's not one size fits all

When it comes to choosing the best auto insurance coverage for your vehicles, there is no one size fits all plan. Every insured's situation is different and your policy should reflect that. Here are some questions about coverages that might point out if you might need an agent's assistance.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Does my liability insurance cover pulling a trailer or camper?
  • Am I getting all the discounts available?
  • Am I covered when pulling a rental trailer?
  • Does my policy cover me when driving someone else's vehicle?
  • Why am I required to get a high-risk car insurance policy?

If you can't answer these questions, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It's fast, free and may give you better protection.

Best coverage at the best price

While you're price shopping online, never sacrifice coverage to reduce premiums. Too many times, an insured cut collision coverage and learned later they didn't purchase enough coverage. The aim is to buy a smart amount of coverage for the lowest price, not the least amount of coverage.

Cheaper auto insurance can be sourced on the web and with local Charleston insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some companies do not offer online quoting and many times these small, regional companies only sell through independent insurance agents.