Getting Low-Cost Greer Car Insurance

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me when I say many consumers are feeling buyer's remorse and feel like there's no way out. With consumers having so many choices of insurance companies, it can be challenging to locate the most affordable company.

It's important to price shop coverage every six months due to the fact that insurance rates are constantly changing. Even if you got the best price a few years ago you will most likely find a better rate today. Forget all the misinformation about car insurance because you're about to learn the tricks you need to know to find great coverage at a great price.

Finding the best rates in Greer is easy if you know what you're doing. If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using this strategy. South Carolina vehicle owners just need to know the most efficient way to shop for car insurance over the internet.

These discounts can lower your rates

Companies don't list every available discount very well, so we took the time to find both the well known and the more hidden car insurance savings. If you don't get every credit possible, you are throwing money away.

  • Discount for Good Grades - Performing well in school can save 20 to 25%. This discount can apply well after school through age 25.
  • Multiple Vehicles - Buying coverage for multiple vehicles on one policy could earn a price break for each car.
  • Multi-policy Discount - If you have multiple policies with one insurance company you may save 10% to 20% off each policy.
  • Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
  • Senior Citizens - If you qualify as a senior citizen, you may be able to get a discount up to 10%.
  • Payment Method - If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
  • Clubs and Organizations - Being a member of a professional or civic organization could qualify you for a break on your policy.
  • Military Discounts - Having a deployed family member may qualify for rate reductions.
  • Federal Government Employee - Active or retired federal employment can earn a discount up to 10% with certain companies.
  • Driver's Ed - Make teen driver coverage more affordable by requiring them to take driver's ed class if it's offered in school.

Drivers should understand that 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 medical payments or collision. Just because it seems like you would end up receiving a 100% discount, companies wouldn't make money that way.

South Carolina car insurance

Are you falling for claims of savings?

Consumers in South Carolina get pounded daily by advertisements that promise big savings from companies such as State Farm and Allstate. All the ads say the same thing that you'll save big after switching your policy.

But how can every company claim to save you money?

Different companies are able to cherry pick for the right customer that earns them a profit. For example, a preferred risk might be between the ages of 30 and 50, has no driving citations, and drives less than 7,500 miles a year. Any driver who fits that profile is entitled to the best price and as a result will probably save a lot of money.

Potential customers who are not a match for this ideal profile will be charged a more expensive rate which usually ends up with the customer not buying. The ads state "people who switch" not "everybody who quotes" save that kind of money. That's the way companies can advertise the way they do. That is why you should get a wide range of price quotes. You cannot predict which car insurance company will provide you with the cheapest rates.

More detailed South Carolina car insurance information can be found at the South Carolina Department of Insurance website. Visitors are able to file complaints about a company, report car insurance fraud, view agent and company licensing information, and read consumer alerts.

Also read more on NAIC.org's Understanding your Policy and this directory of insurance agents in Greer South Carolina.

A tidy conclusion

We just presented many ways to reduce car insurance prices online. The most important thing to understand is the more you quote, the more likely it is that you will get a better rate. Consumers may even find the lowest rates come from a company that doesn't do a lot of advertising. Regional companies may only write in your state and offer lower rates than the large multi-state companies such as .

Budget-conscious car insurance can be purchased both online in addition to many Greer insurance agents, and you should compare price quotes from both to have the best rate selection. Some car insurance companies do not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

When shopping online for car insurance, do not buy lower coverage limits just to save a few bucks. There have been many cases where someone sacrificed physical damage coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.