Top Ways to Save on Gaffney Auto Insurance

Having to pay for overpriced auto insurance can take a big chunk out of your savings account and put the squeeze on your family's finances. Comparing price quotes is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket.

Because you have many choices of insurance companies, it's difficult to locate the most cost effective insurance company.

It's important to take a look at other company's rates quite often because prices are constantly changing. Just because you found the lowest price last year a different company probably has better rates today. You can find a lot of misleading information regarding auto insurance on the web, but I'm going to show you some great ways to find cheap auto insurance.

Finding the best rates in Gaffney is quite easy. If you are paying for car insurance now, you will most likely be able to cut costs considerably using this strategy. Nevertheless, South Carolina consumers do need to know the methods companies use to sell online because it can help you find the best coverage.

These discounts can lower your rates

Auto insurance companies don't always advertise all their discounts very well, so we researched both the well known and the harder-to-find savings tricks you should be using.

  • Life Insurance - Larger companies have a break if you buy auto and life insurance together.
  • Senior Citizens - If you qualify as a senior citizen, you may receive better auto insurance rates.
  • Multiple Cars - Buying coverage for all your vehicles on one policy qualifies for this discount.
  • Theft Prevention System - Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Sign Online - A handful of insurance companies may give you up to $50 simply for signing online.
  • College Student - Kids in college who are attending college and don't have a car can be insured at a reduced rate.
  • Own a Home - Owning a house in Gaffney can help you save on auto insurance because maintaining a house shows financial diligence.
  • Driver's Ed - Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.

Consumers should know that most discounts do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like having all the discounts means you get insurance for free, companies don't profit that way.

South Carolina auto insurance quotes

Gaffney Rates are Influenced by These Factors

Smart consumers have a good feel for the different types of things that play a part in calculating the rates you pay for auto insurance. When you know what positively or negatively determines base rates enables informed choices that may reward you with big savings.

Shown below are a partial list of the pieces auto insurance companies consider when setting rates.

  • Where you live is a factor - Residing in less populated areas can be a good thing when talking about auto insurance. Drivers who live in large cities tend to have much more traffic and longer commute times. Lower population translates into fewer accidents as well as less vandalism and auto theft.
  • Older drivers pay less - Youthful drivers in South Carolina have a tendency to be more careless when driving so auto insurance rates are higher. Parents adding a teen driver to your auto insurance policy can be quite pricey. More mature drivers are viewed as being more responsible, file fewer claims and get fewer tickets.
  • Increase deductibles and save - Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some instances where coverage would apply would be running into the backend of another car, vandalism, and rolling your vehicle. Deductibles for physical damage are how much you are willing to pay out-of-pocket in the event of a claim. The more you are required to pay out-of-pocket, the bigger discount you will receive.
  • Multiple policies with one company can save - Some insurers will give a discount to insureds who consolidate policies with them, otherwise known as a multi-policy discount. If you currently are using one company, it's in your best interest to compare other company rates to ensure the best deal.
  • Pay less after the wedding - Having a wife or husband helps lower the price on your policy. It means you're more mature and responsible it has been statistically shown that married drivers get in fewer accidents.

Different people need different coverages

When it comes to buying the best auto insurance coverage for your personal vehicles, there really is no perfect coverage plan. Everyone's situation is unique so your insurance should reflect that For instance, these questions may help you determine whether you could use an agent's help.

  • 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?
  • Am I covered when driving on a suspended license?
  • Do I need special endorsements for business use of my vehicle?
  • Does medical payments coverage apply to all occupants?
  • Why does it cost so much to insure a teen driver in Gaffney?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does my policy cover my teen driver if they drive my company car?

If you're not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Are you falling for claims of savings?

Auto insurance companies such as GEICO, State Farm and Progressive consistently run ads on television and other media. They all seem to make an identical promise of big savings if you change to their company. But how can every company claim to save you money? This is how they do it.

All the different companies have a preferred profile for the driver that earns them a profit. For instance, a desirable insured might be over the age of 40, insures multiple vehicles, and drives newer vehicles. A customer getting a price quote who meets those qualifications is entitled to the best price and as a result will probably save a lot of money.

Consumers who are not a match for this ideal profile will have to pay higher prices and ends up with the customer not buying. The ads state "drivers who switch" not "everybody who quotes" save that much. This is how insurance companies can confidently claim big savings. Because of the profiling, drivers should quote coverage with many companies. It's impossible to know which insurance companies will give you the biggest savings.

More sites with auto insurance information

More tips and info about auto insurance is located at the South Carolina Department of Insurance website. Visitors are able to view agent and company licensing information, read enforcement actions against agents and companies, report car insurance fraud, and read consumer alerts.

Also read more on Wikipedia and this page where you can research Gaffney insurance agents.

Gaffney auto insurance comparison

Final considerations

When trying to cut insurance costs, do not skimp on coverage in order to save money. In many instances, drivers have reduced collision coverage and learned later that it was a big mistake. The ultimate goal is to buy a smart amount of coverage for the lowest price.

Cost effective auto insurance can be sourced both online and also from your neighborhood Gaffney agents, and you need to comparison shop both in order to have the best price selection to choose from. A few companies may not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.