Easy Methods to Save Money on Great Falls Auto Insurance

If you've never shopped for auto insurance online, you may be overwhelmed by the hoards of auto insurance companies selling insurance in Great Falls.

compare Great Falls auto insurance rates

Auto Insurance Comparison Rates in Great Falls, SC

Cutting your Great Falls auto insurance rates is not a difficult process. Just take the time getting comparison quotes online from several insurance companies. This is very easy and can be done in several different ways.

  • The recommended way consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This method eliminates the need for separate quote forms for each company. Just one form will get you price quotes from many national carriers. This is perfect if you don't have a lot of time.
  • A more difficult way to compare rate quotes requires a visit to the website of each company and request a quote. For example, let's say you want to compare , and . You would have to visit each site to input your insurance information, which is why the first method is more popular. To view a list of companies in Great Falls, click here.
  • The least efficient method of getting rate comparisons is to spend your day driving to local Great Falls insurance agencies. The ability to buy insurance online has reduced the need for local agents unless you require the trained guidance of a licensed agent. You can, however, get the lowest quotes online and still use a local agent. We'll cover that shortly.

Whichever way you use, be sure to compare the exact same coverage limits with every price quote. If you have differing limits it's impossible to find the best deal in Great Falls.

Take advantage of discounts

Insuring your fleet can be pricey, but companies offer discounts to help bring down the price. Certain discounts will be triggered automatically at the time you complete a quote, but lesser-known reductions have to be inquired about prior to getting the savings. If they aren't giving you every credit you qualify for, you're paying more than you need to.

  • Military Discounts - Having a deployed family member could be rewarded with lower premiums.
  • Passive Restraint Discount - Cars that have air bags or motorized seat belts can get savings of 20% or more.
  • Low Mileage Discounts - Low mileage vehicles can earn lower rates on the low mileage vehicles.
  • Memberships - Participating in certain professional organizations could qualify you for a break when shopping for auto insurance.
  • Federal Employees - Being employed by or retired from a federal job can earn a discount up to 10% with a few auto insurance companies.
  • Good Student - A discount for being a good student can save 20 to 25%. This discount can apply up until you turn 25.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire policy premium. Some only reduce individual premiums such as liability and collision coverage. So when it seems like you could get a free auto insurance policy, auto insurance companies aren't that generous. Any amount of discount will cut your overall premium however.

To see a list of insurance companies with discount auto insurance rates in Great Falls, follow this link.

How to know if you need help

When choosing adequate coverage for your vehicles, there is no cookie cutter policy. Everyone's situation is a little different.

These are some specific questions may help highlight whether your personal situation will benefit from professional help.

  • Do I have coverage when using my vehicle for my home business?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my nanny covered when driving my vehicle?
  • Are rental cars covered under my policy?
  • Do I qualify for additional discounts?
  • Do I have coverage for damage caused while driving under the influence?

If you don't know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you don't have a local agent, fill out this quick form. It only takes a few minutes and can help protect your family.

Additional information can be found on the South Carolina Department of Insurance website located here. South Carolina consumers can find disaster information, file complaints about a company, and find out which companies have the most complaints.