10 Discounts Kershaw Shoppers Forget when Comparing Car Insurance

Are you tired of trying to scrape together enough money each month for car insurance? Your situation is no different than many other South Carolina consumers.

You have so many to buy insurance from, and although it's nice to have multiple companies, lots of choices makes it harder to compare rates.

Policy discounts you shouldn't miss

Companies that sell car insurance don't list all available discounts very clearly, so here is a list both the well known and the harder-to-find savings tricks you should be using.

  • Lower Rates for Military - Being on active duty in the military can result in better rates.
  • Claim Free - Claim-free drivers can earn big discounts when compared with drivers who are more careless.
  • Pay Upfront and Save - If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
  • One Accident Forgiven - Certain companies will allow you to have one accident before your rates go up so long as you haven't had any claims prior to the accident.
  • Life Insurance - Some companies give a discount if you purchase a life insurance policy as well.
  • Fewer Miles Equal More Savings - Keeping the miles down can qualify you for discounted rates on garaged vehicles.
  • Clubs and Organizations - Being a member of a qualifying organization is a good way to get lower rates when buying car insurance.
  • Seat Belts Save - Buckling up and requiring all passengers to wear their seat belts can save 10% or more off your PIP or medical payments premium.
  • Employee of Federal Government - Active or retired federal employment can save as much as 8% depending on your company.
  • Anti-lock Brake System - Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.

Keep in mind that most discounts do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears all the discounts add up to a free policy, it just doesn't work that way.

car insurance in Kershaw

Save $429 a year? Really?

21st Century, Allstate and State Farm regularly use television and radio advertisements. All the companies make an identical promise that you can save if you move your coverage to them. How does each company claim to save you money? This is how they do it.

All companies can use profiling for the type of customer that earns them a profit. An example of a profitable customer might be over the age of 50, is a homeowner, and has excellent credit. Any new insured who meets those qualifications gets the lowest rates and is almost guaranteed to save when switching.

Consumers who don't qualify for these standards must pay higher rates and ends up with the customer not buying. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that much money. That's why insurance companies can make those claims. This illustrates why drivers should get quotes from several different companies. It's just too difficult to predict the company that will have the lowest rates.

Learn more today

Additional detailed information is available at the South Carolina Department of Insurance website. Visitors are able to find disaster information, read industry bulletins, view a list of available companies, and get help finding coverage.

The best insurance company isn't always the cheapest

Affordable car insurance is possible both online as well as from independent agents in Kershaw, and you should be comparing both to get a complete price analysis. Some companies don't offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

While you're price shopping online, never skimp on coverage in order to save money. There are a lot of situations where an accident victim reduced comprehensive coverage or liability limits to discover at claim time they didn't purchase enough coverage. The proper strategy is to buy the best coverage you can find for the lowest price while not skimping on critical coverages.