Top Ways to Save on Dalzell Auto Insurance

Are you sick and tired of robbing Peter to pay Paul each month for car insurance? Your situation is no different than many other South Carolina drivers. Drivers have so many to pick from, and though it is a good thing to have multiple companies, too many choices makes it more difficult to compare rates.

It's important to compare prices once or twice a year since insurance rates are constantly changing. Even if you got the best rates a few years ago you will most likely find a better rate today. Don't believe everything you read about auto insurance online but I'm going to show you some great ways to put money back in your pocket.

Finding affordable coverage in Dalzell is not that difficult. If you currently have a car insurance policy, you should be able to reduce your rates substantially using this information. South Carolina consumers only need to know the most efficient way to compare company rates over the internet.

Be sure to get all your discounts

Companies offering auto insurance don't always list all their discounts very clearly, so the following is a list of some of the best known and the harder-to-find ways to save on auto insurance. If you're not getting every credit available, you are throwing money away.

  • New Vehicle Savings - Buying coverage on a new vehicle is cheaper because new vehicles have to meet stringent safety requirements.
  • Payment Method - If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.
  • Auto/Life Discount - Companies who offer life insurance give a discount if you purchase life insurance.
  • Multiple Vehicles - Buying insurance for multiple vehicles on one policy qualifies for this discount.
  • Homeowners Pay Less - Owning a house in Dalzell may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.
  • Drivers Education - Make teen driver coverage more affordable by requiring them to complete a driver education course if it's offered in school.
  • Sign Online - A few companies give back up to $50 for buying your policy over the internet.

A little note about advertised discounts, many deductions do not apply to the entire cost. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Just because it seems like adding up those discounts means a free policy, you won't be that lucky.

South Carolina auto insurance quotes

Is there truth in advertising?

South Carolina drivers get pounded daily by advertisements for the lowest price auto insurance from the likes of GEICO, State Farm and Progressive. They all seem to make the same claim about savings after switching your coverage to them.

How does each company say the same thing? This is how they do it.

Insurance companies can use profiling for the type of customer that earns them a profit. A good example of a desirable insured might be profiled as between the ages of 30 and 50, has no tickets, and drives less than 7,500 miles a year. A propective insured who matches those parameters is entitled to the best price and is almost guaranteed to save when switching.

Drivers who don't measure up to these standards will have to pay higher premiums which leads to business not being written. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that much money. That's why companies can truthfully advertise the way they do. Because of the profiling, you should get a wide range of price quotes. It's not possible to predict the company that will provide you with the cheapest rates.

More South Carolina auto insurance information

Even more information can be read at the South Carolina Department of Insurance website. South Carolina drivers can file complaints about an insurance agent or broker, view a list of available companies, view agent and company licensing information, and report car insurance fraud.

Also read more on Auto Insurance 101 and this page where you can research Dalzell insurance agents.

compare Dalzell auto insurance rates

Best coverage at the best price

When shopping online for auto insurance, make sure you don't buy lower coverage limits just to save a few bucks. In many instances, an insured dropped collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy enough coverage for the lowest price.

The cheapest auto insurance can be purchased on the web as well as from independent agents in Dalzell, and you should compare price quotes from both to have the best chance of lowering rates. Some auto insurance companies don't offer you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.