7 Guaranteed Tricks to Cut Car Insurance Costs in Kingstree, SC

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Trust us, many consumers are feeling buyer's remorse and feel like there's no way out. Online insurance companies like GEICO and Progressive continually hit you with ad campaigns and it is difficult to sift through the bull and do the work needed to find the best deal.

It's important to take a look at other company's rates at least once a year since rates are constantly changing. Just because you found the best price last year a different company probably has better rates today. Forget all the misinformation about car insurance because you're about to find out the quickest way to find great coverage at a great price.

Are you getting all your discounts?

Car insurance can cost a lot, but you can get discounts that you may not know about. Larger premium reductions will be automatically applied when you quote, but less common discounts must be asked for before you get the savings. If you aren't receiving every discount possible, you are throwing money away.

  • Air Bag Discount - Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • Low Mileage - Low mileage vehicles can earn discounted rates on garaged vehicles.
  • Clubs and Organizations - Being a member of a civic or occupational organization is a good way to get lower rates on your policy.
  • Federal Government Employee - Active or retired federal employment could cut as much as 10% off with certain companies.
  • Life Insurance - Companies who offer life insurance give better rates if you take out life insurance.
  • Resident Student - Kids in college who attend school more than 100 miles from home and don't have a car can be insured at a reduced rate.
  • Theft Prevention Discount - Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.

As a disclaimer on discounts, most discount credits are not given the the whole policy. Most only apply to the cost of specific coverages such as medical payments or collision. Just because it seems like adding up those discounts means a free policy, car insurance companies aren't that generous. Any amount of discount will reduce the cost of coverage.

South Carolina car insurance

How can State Farm and Allstate save drivers who switch?

Consumers in South Carolina get pounded daily by advertisements that promise big savings by State Farm and Allstate. All the ads make an identical promise about savings if you change to their company.

How can each company claim to save you money?

Insurance companies are able to cherry pick for the driver that earns them a profit. For example, a preferred risk might be a mature driver, has no tickets, and has great credit. Any new insured who meets those qualifications is entitled to the best price and as a result will probably save when they switch companies.

Drivers who are not a match for the requirements will be charged a higher premium and ends up with the customer not buying. Company advertisements say "people who switch" not "everybody who quotes" save that much. That's the way companies can truthfully advertise the savings.

That is why drivers should get quotes from several different companies. It's just too difficult to predict which car insurance company will give you the biggest savings.

Find out more about car insurance

Additional information can be found on the website for the South Carolina Department of Insurance through this link. Visitors are able to file complaints about a company, find disaster information, find out which companies have the most complaints, and download brochures.

car insurance in Kingstree

Best coverage at the best price

We just covered some good ideas how you can reduce car insurance prices online. It's most important to understand that the more you quote, the more likely it is that you will get a better rate. Consumers could even find that the best price on car insurance is with a company that doesn't do a lot of advertising. Regional companies may have significantly lower rates on certain market segments than the large multi-state companies such as .

Cheap car insurance can be sourced both online and also from your neighborhood Kingstree agents, and you need to price shop both to have the best selection. There are still a few companies who may not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.