Car Insurance in Laurens - 5 Discounts You Might be Unaware of
Finding affordable Laurens car insurance is difficult for consumers not familiar with buying insurance online. People have so many companies to choose from that it can quickly become more work than you anticipated to locate the lowest price in Laurens.
It's important to get comparison quotes before your policy renews since rates are constantly changing. Even if you got the best deal six months ago you can probably find a better price now. Starting now, forget all the misinformation about car insurance because we're going to show you the only way to save on car insurance.
Buying affordable coverage in Laurens is simple if you know the tricks. Just about every vehicle owner who is required by state law to have car insurance should be able to reduce their rates. But South Carolina consumers do need to know how insurance companies price online insurance and take advantage of how the system works.
Are you getting all your discounts?
The cost of insuring your cars can be expensive, but companies offer discounts that many people don't even know exist. Some discounts apply automatically when you quote, but lesser-known reductions have to be requested specifically before you get the savings.
- Senior Citizens - If you're over the age of 55, you may qualify for a discount up to 10%.
- Employee of Federal Government - Employees or retirees of the government can earn a discount up to 10% with select insurance companies.
- Anti-theft System - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
- One Accident Forgiven - Certain companies will forgive one accident before hitting you with a surcharge as long as you don't have any claims for a certain period of time.
- Save with a New Car - Adding a new car to your policy can cost up to 25% less compared to insuring an older model.
Drivers should understand that many deductions do not apply to the entire cost. Most only cut individual premiums such as liability, collision or medical payments. So even though they make it sound like you could get a free car insurance policy, companies wouldn't make money that way. But all discounts will bring down the cost of coverage.
To choose companies offering car insurance discounts in South Carolina, click this link.
How can Progressive, GEICO, Allstate and State Farm save drivers who switch?
Car insurance companies such as Progressive, GEICO, Allstate and State Farm constantly bombard you with ads on television and other media. They all seem to make the same claim that you'll save big if you switch your policy. How does each company claim to save you money?
Different companies can use profiling for the right customer that makes them money. An example of a desirable insured might be over the age of 50, is a homeowner, and has a high credit rating. Any new insured who matches those parameters will qualify for the lowest rates and as a result will probably save when switching.
Drivers who are not a match for these standards will have to pay a higher premium which leads to the customer not buying. The ad wording is "customers that switch" not "everybody who quotes" save that kind of money. That's why companies can state the savings.
Because of the profiling, you should get a wide range of price quotes. It's just too difficult to predict the company that will have the lowest rates.
Much more information about car insurance in South Carolina is available on the South Carolina Department of Insurance website located here. Visitors are able to learn about insurance regulations, download brochures, and read consumer alerts.
Do the work, save more money
As you restructure your insurance plan, never buy poor coverage just to save money. There are many occasions where an accident victim reduced comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your aim should be to purchase a proper amount of coverage at a price you can afford.
Insureds switch companies for a number of reasons such as denial of a claim, extreme rates for teen drivers, policy cancellation or even an unsatisfactory settlement offer. Regardless of your reason for switching companies, choosing a new insurance company is easier than you think.
Budget-conscious car insurance can be found both online in addition to many Laurens insurance agents, and you should be comparing both to have the best selection. Some insurance companies do not provide online price quotes and most of the time these smaller companies sell through independent agents.
