How to Know You're Paying Too Much for Car Insurance in Landrum

I can't think of anyone who cherishes buying car insurance, particularly when the cost is way too high. Numerous battle for your business, and it can be difficult to compare rates to find the lowest price

car insurance in Landrum

Vehicle Insurance Comparison

Cutting your Landrum car insurance rates isn't really that difficult. Just take a couple of minutes getting comparison quotes online with multiple companies. This is very easy and can be done in several different ways.

  • The recommended way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This method eliminates the need for separate quotation requests for every car insurance company. Just one form will get you rate comparisons from car insurance companies with the best prices.
  • A slightly less efficient method to compare rate quotes requires you to visit the website for every company you want to comare and fill out their own quote form. For example, let's assume you want to compare , and . To get rate quotes you would need to visit each site and enter your policy data, and that's why the first method is more popular.

    To view a list of companies in Landrum, click here.
  • The least efficient method to get comparison rates is to spend your day driving to insurance agents' offices. Shopping for car insurance online has reduced the need for local agents unless you have a need for the trained guidance of a local Landrum agent. You can, however, get the lowest quotes online and still use a local agent and you'll learn how to do that later.

Which method you use is up to you, but be sure to compare the exact same coverage information for every quote you compare. If you compare unequal deductibles or liability limits you will not be able to determine the best price in Landrum.

Take advantage of discounts

Auto insurance companies don't necessarily list all available discounts in an easy-to-find place, so we took the time to find both the well known and the harder-to-find car insurance savings. If they aren't giving you every credit you qualify for, you're paying more than you need to.

  • Driver Safety - Completing a defensive driving course can save you 5% or more and easily recoup the cost of the course.
  • Good Student - A discount for being a good student can get you a discount of up to 25%. This discount can apply well after school through age 25.
  • Senior Citizens - Mature drivers may be able to get a small decrease in premiums.
  • Multiple Vehicles - Insuring multiple vehicles on the same car insurance policy qualifies for this discount.
  • Homeowners Savings - Owning a home in Landrum may trigger a car insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.
  • Payment Method - If you pay your bill all at once instead of paying each month you could save up to 5%.

A little note about advertised discounts, most credits do not apply to the entire policy premium. Most cut the price of certain insurance coverages like liability and collision coverage. Even though it may seem like it's possible to get free car insurance, you won't be that lucky.

To see a list of insurers who offer car insurance discounts in Landrum, follow this link.

How to know if you need help

When choosing the right insurance coverage for your vehicles, there is no perfect coverage plan. Every insured's situation is different and a cookie cutter policy won't apply. These are some specific questions may help highlight whether your personal situation will benefit from professional help.

  • Should I have combined single limit or split liability limits?
  • Do I need to file an SR-22 for a DUI in South Carolina?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • When do I need to add a new car to my policy?
  • Are my tools covered if they get stolen from my vehicle?

If you don't know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. If you don't have a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Even more information can be found at the South Carolina Department of Insurance website. Visitors are able to discover disciplinary actions, file complaints about a company, read enforcement actions against agents and companies, and report car insurance fraud.