Tightwads Guide to Saving on Honea Path Auto Insurance

Expensive auto insurance can overdraw your personal savings and force you to make sacrifices. Shopping your coverage around is free, only takes a few minutes, and is a good way to tighten up your finances. With so many insurance companies to choose from, it is very difficult to choose the lowest price insurer.

It's important to do rate comparisons yearly since insurance rates are constantly changing. Even if you think you had the best price two years ago you may be paying too much now. Forget anything you know (or think you know) about auto insurance because you're about to learn how to quote online to reduce your cost while improving coverage.

Where Can I Get Cheap Honea Path Auto Insurance?

Performing a rate comparison can be a daunting task if you don't know the best way to get rate quotes. You could spend your day talking to insurance agencies in Honea Path, or you could save time and use the web for quick rates.

All the larger companies take part in a program that allows shoppers to enter their policy data once, and each participating company can give them a price. This saves time by eliminating quote forms for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

The one downside to doing it this way is you are unable to specify which companies you want to price. If you wish to select specific providers to compare, we have assembled a list of auto insurance companies in South Carolina. Click here to view list.

It's your choice how you get your quotes, but make sure you use apples-to-apples coverage limits for each price quote. If you compare differing limits it's impossible to truly determine the lowest rate in Honea Path.

Why some people pay less for insurance in Honea Path

It's important that you understand the different types of things that play a part in calculating auto insurance rates. When you know what positively or negatively influences your rates allows you to make educated decisions that can help you get lower auto insurance prices.

Your credit rating is important - Your credit score is a important factor in determining what you pay for auto insurance. Drivers with high credit ratings tend to file fewer claims and have better driving records than drivers who have lower credit scores. If your credit is low, you could be paying less to insure your by improving your rating.
Proper usage rating affects rates - The higher the mileage driven in a year's time the higher your rates will be. Most companies price each vehicle's coverage based on their usage. Cars and trucks left parked in the garage qualify for better rates compared to those used for work or business. Make sure your auto insurance declarations sheet properly reflects the correct usage for each vehicle.
Do you need the policy add-ons? - There are quite a few add-on coverages you can purchase if you aren't careful. Things like vanishing deductibles, better glass coverage and motor club memberships may be costing you every month. These coverages may sound good when you first buy your policy, but if you don't need them remove them from your policy.
Theft deterrents lower rates - Purchasing a vehicle with an alarm system can help lower your rates. Theft prevention devices such as GM's OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping car theft.
Multi-policy discounts can save money - Some insurers give discounts to people who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount, you still need to shop around to make sure you are getting the best deal.

How much can you save with discounts?

Companies don't always publicize every available discount very well, so we took the time to find some of the best known as well as the least known savings tricks you should be using. If you don't get every credit you deserve, you're just leaving money on the table.

Anti-lock Brake System - Vehicles with anti-lock braking systems can avoid accidents and will save you 10% or more.
Life Insurance - Some companies give a break if you buy a life insurance policy as well.
Safety Course Discount - Completing a course teaching defensive driving skills could cut 5% off your bill depending on where you live.
Passive Restraint Discount - Vehicles with factory air bags or automatic seat belts can receive discounts up to 30%.
Military Rewards - Being on active duty in the military could be rewarded with lower premiums.

It's important to note that most discounts do not apply to your bottom line cost. Most cut individual premiums such as comprehensive or collision. So despite the fact that it appears you can get free auto insurance, you're out of luck.

For a list of providers with discount auto insurance rates in South Carolina, click here to view.

How much car insurance do I need?

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no one size fits all plan. Everyone's situation is a little different so your insurance should reflect that For example, these questions can help discover if your insurance needs would benefit from professional advice.

Can I get a multi-policy discount for packaging my home and auto coverage?
What happens if I owe more than my vehicle is worth?
Should I have combined single limit or split liability limits?
Should I drop comprehensive coverage on older vehicles?
Am I covered when pulling a rental trailer?
Does my personal auto insurance policy cover using my vehicle for business use?
Should I buy only the required South Carolina minimum liability coverage?

If you're not sure about those questions then you might want to talk to an agent. If you don't have a local agent, complete this form or click here for a list of auto insurance companies in your area. It's fast, free and can help protect your family.

Additional detailed information can be found at the South Carolina Department of Insurance website. South Carolina drivers can find out industry alerts, file complaints about an insurance agent or broker, discover disciplinary actions, and view a list of available companies.

Other useful links include BankRate.com's Car Insurance: When not to Skimp and this directory of Honea Path insurance agents.

Best coverage at the best price

When buying insurance coverage, don't be tempted to reduce needed coverages to save money. Too many times, consumers will sacrifice physical damage coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. The aim is to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

Lower-priced auto insurance is attainable on the web and with local Honea Path insurance agents, and you need to price shop both to have the best chance of lowering rates. Some insurance companies do not offer online quoting and many times these regional insurance providers only sell through independent insurance agents.