Car Insurance in Edgefield, SC - 9 Discounts You Might be Missing

Did you fall for a flashy sales pitch and buy overpriced car insurance? Believe me when I say many consumers are feeling buyer's remorse and feel like there's no way out.

Insurance companies such as GEICO and Progressive continually hit you with ad campaigns and it can be hard to sift through the bull and find the best price available.

How to Compare Car Insurance Quotes in Edgefield, South Carolina

There are multiple methods to compare car insurance prices but some are less time-consuming than others. You could spend your day talking to agents in Edgefield, or you can utilize the internet to get rate comparisons in just a few minutes.

All the larger companies enroll in a system that enables customers to send in one quote, and every company provides a quote for coverage. This eliminates the need for quote forms to each individual car insurance company. To submit your quote information now, click here (opens in new window).

The one downside to using this type of form is that you can't choose which companies to get pricing from. If you prefer to choose individual companies for rate comparison, we put together a list of low cost car insurance companies in South Carolina. Click here for list of insurance companies in South Carolina.

Whichever way you use, ensure you are comparing exactly the same coverage limits and deductibles for every company. If you use different liability limits it will be next to impossible to decipher which rate is best in Edgefield. Just a small difference in coverages may cause a big price difference. Just remember that obtaining a wide range of quotes will improve the odds of getting the best rates.

Don't pay full price with these nine discounts

Insurance can be prohibitively expensive, but you can get discounts that many people don't even know exist. Most are applied at quote time, but a few need to be requested specifically in order for you to get them.

Fewer Miles Equal More Savings - Driving fewer miles can earn lower rates on the low mileage vehicles.
Multi-car Discount - Having more than one vehicle on one policy could earn a price break for each car.
Auto/Home Discount - When you have multiple policies with the same insurance company you may save 10% to 20% off each policy.
Federal Government Employee - Simply working for the federal government can earn a discount up to 10% depending on your company.
Discount for Life Insurance - Companies who offer life insurance give better rates if you take out life insurance from them.
Senior Citizens - Older drivers may qualify for better car insurance rates.
Service Members Pay Less - Having a deployed family member could mean lower rates.
Defensive Driver - Taking a defensive driving course could possibly earn you a 5% discount depending on where you live.
Student in College - Children who attend school more than 100 miles from home and do not have a car may be able to be covered for less.

A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. Most only apply to the cost of specific coverages such as liability and collision coverage. Even though it may seem like you could get a free car insurance policy, you won't be that lucky. Any amount of discount will reduce your premiums.

For a list of insurers offering car insurance discounts in Edgefield, follow this link.

Additional information can be found on the website for the South Carolina Department of Insurance through this link. Visitors are able to find disaster information, report car insurance fraud, read consumer alerts, and download brochures.

Do the work, save more money

Cheaper car insurance can be found both online and also from your neighborhood Edgefield agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance companies may not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

As you restructure your insurance plan, it's a bad idea to reduce needed coverages to save money. There are a lot of situations where someone sacrificed physical damage coverage only to regret at claim time that they should have had better coverage. The proper strategy is to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.