6 Top Ways to Slash Car Insurance Costs in Clemson

Shopping for low-cost Clemson car insurance online is challenging for consumers new to shopping for insurance online. With dozens of companies competing online, how can you even start to compare the different rates to find the lowest rates?

Finding affordable coverage in Clemson is not that difficult. In a nutshell, anyone who carries car insurance will be able to save money. Although South Carolina consumers do need to know how big insurance companies sell online and take advantage of how the system works.

Where Can I Get Cheap Clemson Car Insurance?

Performing a rate comparison can be exhausting if you don't know the most efficient way to do it. You could spend your day driving to local insurance agents in Clemson, or you could use online quoting to get prices fast.

All the larger companies belong to an insurance system that allows shoppers to enter their policy data once, and at least one company provides a quote based on that information. This prevents consumers from doing repetitive form submissions for each company you want a rate for.

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

The only downside to using this type of system is that consumers can't choose which companies to get quotes from. If you wish to select from a list of companies to request quotes from, we put together a list of companies who write car insurance in South Carolina. Click here to view list.

However you get your quotes, make sure you use identical quote information on every quote. If the quotes have mixed coverages then you won't be able to make a fair comparison in Clemson. Slightly different coverages may result in a large different in cost. And when comparing car insurance rates, know that getting more free quotes helps you find a better price.

How much can you save with these six discounts?

Companies that sell car insurance don't always list every discount very clearly, so here is a list both the well known and also the lesser-known discounts you could be receiving.

Pay Now and Pay Less - By paying your policy upfront rather than paying monthly you may reduce your total bill.
Life Insurance Discount - Companies who offer life insurance give a discount if you purchase life insurance.
Multiple Cars - Buying insurance for all your vehicles on one policy can get a discount on all vehicles.
Save with a New Car - Buying coverage on a new vehicle can save up to 30% because new vehicles have to meet stringent safety requirements.
Discount for Swiching Early - Some companies give discounts for buying a policy before your current policy expires. The savings is around 10%.
Accident Waiver - Certain companies allow you one accident without raising rates if your claims history is clear for a set time period.

A little note about advertised discounts, some of the credits will not apply to your bottom line cost. Most only reduce specific coverage prices like liability and collision coverage. So despite the fact that it appears adding up those discounts means a free policy, you won't be that lucky.

For a list of insurance companies with discount car insurance rates in South Carolina, click here.

How much car insurance do I need?

When it comes to choosing proper insurance coverage for your personal vehicles, there isn't really a "best" method to buy coverage. Every situation is different.

For example, these questions can help discover if your insurance needs might need professional guidance.

Are my tools covered if they get stolen from my vehicle?
What happens if I owe more than my vehicle is worth?
Am I covered when driving on a suspended license?
When does my teenage driver need to be added to my policy?
Can I still get insurance after a DUI?
Should I file a claim if it's only slightly more than my deductible?
Does my car insurance cover rental cars?

If you can't answer these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Even more information is available at the South Carolina Department of Insurance website. Visitors are able to view a list of available companies, file complaints about an insurance agent or broker, and report car insurance fraud.

Other useful links include this page for car insurance prices in South Carolina and this list of insurance agents in Clemson, SC.

Shop smart and save

Drivers leave their current company for a variety of reasons including unfair underwriting practices, delays in paying claims, lack of trust in their agent and high rates after DUI convictions. It doesn't matter what your reason, finding a new car insurance company is not as hard as you think.

When you buy insurance online, make sure you don't reduce needed coverages to save money. There have been many situations where consumers will sacrifice liability limits or collision coverage only to find out that the few dollars in savings costed them thousands. The proper strategy is to get the best coverage possible at the best price while still protecting your assets.

The cheapest car insurance can be sourced both online and also from your neighborhood Clemson agents, so compare prices from both to get a complete price analysis. There are still a few companies who may not provide online quoting and these smaller companies work with independent agents.