Tightwads Instructions on Saving on Irmo Auto Insurance

No one in their right mind likes paying for auto insurance, particularly when their premiums are too high.

Lots of contend for your business, and it can be difficult to compare rates and get the best coverage at the lowest rate

It's important to get comparison quotes periodically because prices are constantly changing. Even if you got the lowest price last year there may be better deals available now. Block out anything you think you know about auto insurance because I'm going to let you in on the secrets to the tricks you need to know to properly buy coverages while reducing your premium.

How much can you save with discounts?

Car insurance companies don't always advertise all their discounts in an easy-to-find place, so we researched both the well known and also the lesser-known ways to save on auto insurance.

  • Accident Forgiveness - A few companies allow you one accident without raising rates as long as you don't have any claims for a certain period of time.
  • Good Student - Getting good grades can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
  • Auto/Life Discount - Some companies give lower rates if you buy life insurance from them.
  • Drive Less and Save - Fewer annual miles could be rewarded with better rates on cars that stay parked.
  • Homeowners Savings - Owning a house in Irmo may earn you a small savings due to the fact that maintaining a home shows financial diligence.

Keep in mind that most discount credits are not given to the entire policy premium. Some only reduce specific coverage prices like liability, collision or medical payments. So when the math indicates you could get a free auto insurance policy, it just doesn't work that way.

For a list of companies who offer auto insurance discounts in Irmo, click this link.

Irmo Auto Insurance Comparisons

There are several ways to shop for auto insurance, but some are less labor-intensive and much quicker. You can waste hours discussing policy coverages with insurance agencies in Irmo, or you could use the web to get pricing more quickly.

Most car insurance companies participate in a marketplace that allows shoppers to submit their information once, and each participating company then gives them pricing based on that data. This system prevents you from having to do quotation requests for each company you want a rate for.

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

One minor caviat to comparing rates this way is you are unable to specify the companies you want pricing from. So if you prefer to choose individual companies to compare rates, we have assembled a list of companies who write auto insurance in South Carolina. Click to view list.

It's up to you how you get prices quotes, just be sure to compare the exact same information on every quote you get. If you have higher or lower deductibles you can't possibly determine which rate is truly the best in Irmo. Having just a slight variation in limits could mean much higher rates. Keep in mind that having more price comparisons will increase your chances of finding the best price.

How much car insurance do I need?

When it comes to choosing the best auto insurance coverage for your vehicles, there is no perfect coverage plan. Your needs are not the same as everyone else's so this has to be addressed. For example, these questions may help highlight if your insurance needs would benefit from professional advice.

  • Does my policy cover me when driving someone else's vehicle?
  • Should I buy only the required South Carolina minimum liability coverage?
  • What happens if I owe more than my vehicle is worth?
  • Is my vehicle covered for flood damage?
  • Does my policy cover my teen driver if they drive my company car?
  • Will I be non-renewed for getting a DUI or other conviction?

If it's difficult to answer those 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, complete this form or you can go here for a list of companies in your area.

Final considerations

Affordable auto insurance can be purchased both online in addition to many Irmo insurance agents, and you need to price shop both to have the best selection. There are still a few companies who do not provide online quoting and most of the time these small, regional companies sell through independent agents.

We covered some good ideas how to get a better price on auto insurance. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even find the best price on auto insurance is with a small mutual company. These companies can often insure niche markets at a lower cost compared to the large companies like .

As you prepare to switch companies, you should never sacrifice coverage to reduce premiums. In many cases, someone dropped liability coverage limits only to discover later that the small savings ended up costing them much more. Your aim should be to find the BEST coverage at the best price.