Car Insurance in Florence - 5 Ways to Save Money
Finding cheap Florence car insurance over the internet can be challenging for consumers not familiar with buying insurance on the web. With dozens of insurers available, how can consumers possibly compare every company to locate the lowest price?
It's important to get comparison quotes on a regular basis since rates are constantly changing. Even if you got the best rates last year you may be paying too much now. You can find a lot of misleading information regarding car insurance on the internet, so we're going to give you some great ways to slash your car insurance rates.
How to Lower Your Car Insurance Cost in Florence, South Carolina
There are several ways to compare rate quotes from local Florence car insurance companies. The recommended way to compare insurance prices is to get quotes online. This can be accomplished using a couple different methods.
The first (and easiest) way consumers can analyze rates is to use a rate comparison form (click to open form in new window). This easy form eliminates the need for separate forms for every car insurance company. One form submission gets rate comparisons from several companies. This is by far the quickest method.
A different way to get quotes online is spending the time to visit the website for each individual company and request a quote. For examples sake, let's say you want comparison quotes from , and . To get rate quotes you would need to take the time to go to each site and enter your policy data, and that's why the first method is more popular.
To view a list of companies in Florence, click here.
It's up to you which method you use, but ensure you are comparing apples-to-apples information with every price quote. If the quotes have higher or lower deductibles you will not be able to find the best deal in Florence. Quoting even small variations in limits could mean much higher rates. Just remember that having more price comparisons provides better odds of finding the best price.
Save big with these 5 discounts
Car insurance companies don't always list every available discount very well, so the following is a list of some of the more common and the harder-to-find savings tricks you should be using.
- Anti-theft Discount - Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
- Accident Waiver - Some insurance companies will allow you to have one accident without raising rates if you are claim-free prior to the accident.
- Multi-policy Discount - When you have multiple policies with the same company you could get a discount of up to 20% off your total premium.
- Anti-lock Brake System - Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
- No Claims - Drivers who don't have accidents pay less compared to frequent claim filers.
Keep in mind that most discount credits are not given to all coverage premiums. Most only reduce the price of certain insurance coverages like comprehensive or collision. So when the math indicates you can get free auto insurance, it just doesn't work that way.
For a list of providers who offer car insurance discounts in South Carolina, click here to view.
Additional detailed information can be read at the South Carolina Department of Insurance website. Consumers can read consumer alerts, get help finding coverage, and view agent and company licensing information.
Other useful links include BankRate.com's Car Insurance: When not to Skimp and this Florence agent directory.
Do the work, save more money
As you prepare to switch companies, do not reduce needed coverages to save money. Too many times, drivers have reduced full coverage and found out when filing a claim that the small savings ended up costing them much more. The aim is to get the best coverage possible for the lowest price, not the least amount of coverage.
Affordable car insurance can be purchased from both online companies in addition to many Florence insurance agents, and you should be comparing both to have the best rate selection. There are still a few companies who do not provide online quoting and many times these small insurance companies only sell through independent insurance agents.
People change insurance companies for any number of reasons including policy cancellation, an unsatisfactory settlement offer, policy non-renewal and high rates after DUI convictions. Whatever your reason, switching car insurance companies is not as hard as you think.
