Tightwads Instructions on Saving on Clover Car Insurance

Overpriced car insurance can take a big chunk out of your checking account and put a big crunch on your finances. Shopping your coverage around is free, only takes a few minutes, and is a good way to lower your monthly bill. Lots of contend for your hard-earned dollar, and because of this it can be hard to compare to find the lowest price

Don't pay full price with these discounts

Companies offering auto insurance don't necessarily list every discount in an easy-to-find place, so we took the time to find both the well known and also the lesser-known savings tricks you should be using. If they aren't giving you every credit you deserve, you are throwing money away.

Payment Method - If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
Life Insurance - Some companies give lower rates if you buy life insurance.
Senior Citizens - If you qualify as a senior citizen, you may be able to get a small decrease in premiums.
Multiple Vehicles - Having multiple vehicles on one policy can get a discount on all vehicles.
Low Mileage Discounts - Fewer annual miles can earn discounted rates on garaged vehicles.

Keep in mind that most discount credits are not given to your bottom line cost. Some only apply to specific coverage prices like liability and collision coverage. Just because it seems like adding up those discounts means a free policy, it just doesn't work that way.

Your personal situation dictates your coverage

When it comes to buying the right insurance coverage for your personal vehicles, there is no perfect coverage plan. Every situation is different so your insurance should reflect that Here are some questions about coverages that can help discover whether or not you might need an agent's assistance.

Are my tools covered if they get stolen from my vehicle?
When does my teenage driver need to be added to my policy?
Am I covered by my employer's commercial auto policy when driving my personal car for business?
Can I afford to buy a different vehicle if my vehicle is totaled?
Should I buy additional glass protection?
Do I have coverage when using my vehicle for my home business?
Does my car insurance cover rental cars?

If you're not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It's fast, doesn't cost anything and you can get the answers you need.

The car insurance bait and switch

Consumers in South Carolina get pounded daily by advertisements for car insurance savings from the likes of State Farm, Allstate and GEICO. They all make an identical promise that you can save after switching your coverage to them.

How do they all claim to save you money? It's all in the numbers.

Insurance companies have a preferred profile for the type of customer that earns them a profit. For example, a driver they prefer might be between the ages of 30 and 50, has no prior claims, and drives less than 10,000 miles a year. Any driver who meets those qualifications will qualify for the lowest rates and therefore will cut their rates substantially.

Consumers who don't measure up to the "perfect" profile will be quoted higher rates and ends up with the customer not buying. The ad wording is "customers who switch" not "everyone that quotes" save that much money. This is how insurance companies can advertise the way they do. This emphasizes why you should get as many quotes as possible. You cannot predict which insurance companies will provide you with the cheapest rates.

Learn more about car insurance in South Carolina

Additional detailed information can be found at the South Carolina Department of Insurance website. Visitors are able to view a list of available companies, view agent and company licensing information, read enforcement actions against agents and companies, and report car insurance fraud.

A tidy conclusion

As you go through the steps to switch your coverage, never buy lower coverage limits just to save a few bucks. There have been many situations where consumers will sacrifice physical damage coverage only to discover later that the savings was not a smart move. The proper strategy is to get the best coverage possible at the best price while still protecting your assets.

Affordable car insurance can be bought both online as well as from independent agents in Clover, and you should compare price quotes from both to get a complete price analysis. Some car insurance companies don't offer you the ability to get quotes online and these regional insurance providers work with independent agents.