10 Discounts Edgemoor Shoppers Forget when Buying Car Insurance

Having to pay for overpriced car insurance can drain your personal savings and force you to make sacrifices. Comparing price quotes is a smart way to help make ends meet.

Having so many online and local companies to choose from, it can be impossible to pick the lowest price insurer.

Choosing the best insurance company for you in Edgemoor is quite easy. If you have car insurance now, you stand a good chance to be able to save some money using these techniques. Nevertheless, South Carolina consumers do need to know the way companies determine prices and take advantage of how the system works.

Don't pay full price with these ten discounts

Companies do not list all available discounts very well, so here is a list both the well known as well as the least known car insurance savings.

Fewer Miles Equal More Savings - Keeping the miles down can qualify you for lower rates on the low mileage vehicles.
Own a Home - Owning a home in Edgemoor may trigger a car insurance policy discount because of the fact that having a home requires personal responsibility.
Military Rewards - Having a deployed family member can result in better rates.
Anti-lock Brake Discount - Anti-lock brake equipped vehicles prevent accidents and qualify for as much as a 10% discount.
Auto/Home Discount - When you combine your home and auto insurance with the same insurance company you could get a discount of up to 20% off your total premium.
Passive Restraint Discount - Vehicles equipped with air bags or automatic seat belts can receive discounts of up to 25% or more.
Accident Free - Drivers who don't have accidents can earn big discounts when compared with bad drivers.
Paperless Signup - Certain companies may give you up to $50 simply for signing online.
Defensive Driving Course - Completing a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
Discount for Life Insurance - Larger companies have a break if you buy a life insurance policy as well.

Consumers should know that most of the big mark downs will not be given to all coverage premiums. The majority will only reduce individual premiums such as liability and collision coverage. So despite the fact that it appears it's possible to get free car insurance, companies don't profit that way.

To see a list of insurers with the best car insurance discounts in South Carolina, follow this link.

Car Insurance Prices in Edgemoor, South Carolina

There are multiple methods to compare car insurance quotes, but there is one way that is easier and takes less work. You can waste a lot of time driving to agents in Edgemoor, or you could save time and use the web to get the quickest rates.

Many insurance companies participate in an industry program that enables customers to only type in their quote data once, and each company provides a quote. This eliminates the need for repetitive form submissions to each individual car insurance company.

To submit your quote information now, click to open in new window.

The only downside to getting quotes like this is you can't choose which carriers to get pricing from. So if you want to choose specific providers for rate comparison, we have a listing of car insurance companies in South Carolina. View list of South Carolina insurance companies.

Whichever way you use, ensure you are comparing apples-to-apples deductibles and coverage limits for every quote you compare. If you are comparing different values for each quote it will be impossible to determine the best price in Edgemoor. Just a small difference in coverage limits can make a big difference in price. Just remember that quoting more provides better odds of finding better pricing.

The car insurance bait and switch

21st Century, Allstate and State Farm regularly use ads in print and on television. All the companies say the same thing of big savings if you move to them. But how can every company claim to save you money?

All companies have a preferred profile for the type of driver that is profitable for them. An example of a profitable customer might be between the ages of 30 and 50, insures multiple vehicles, and chooses high deductibles. Any new insured who fits that profile gets the lowest rates and therefore will save a lot of money.

Potential customers who don't measure up to this ideal profile must pay higher prices which usually ends up with the customer not buying. Company advertisements say "customers that switch" not "everyone that quotes" save money. This is how insurance companies can confidently state the savings. This illustrates why drivers must compare many company's rates. It's just too difficult to predict which insurance companies will give you the biggest savings.

Do the work, save more money

Cost effective car insurance is possible both online and with local Edgemoor insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies do not offer the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

When buying insurance coverage, do not reduce coverage to reduce premium. There are a lot of situations where drivers have reduced liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. The proper strategy is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

More tips and info about car insurance is available at the South Carolina Department of Insurance website. Visitors are able to discover disciplinary actions, get help finding coverage, view a list of available companies, and find out industry alerts.

Additional helpful sites include this resource for South Carolina car insurance prices and this page of Edgemoor insurance agents.