Easy Ways to Save Money on Lugoff Auto Insurance

Finding the cheapest Lugoff auto insurance over the internet may be impossible for beginners to buying insurance online. With so many choices of insurers available, how can consumers effectively compare every one to find the lowest rates?

If you have a current auto insurance policy or are looking for a new policy, you can follow these tips to get lower rates while maximizing coverage. The purpose of this article is to teach you how to effectively get price quotes. South Carolina vehicle owners just need to know the most efficient way to find the lowest price over the internet.

Don't pay full price with these discounts

Insuring your fleet can be pricey, but you may find discounts to reduce the price significantly. Certain discounts will be applied when you get a quote, but less common discounts must be asked about before you will receive the discount. If they aren't giving you every credit you deserve, you're paying more than you need to.

  • Payment Method - If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.
  • Life Insurance - Select insurance companies reward you with lower rates if you buy life insurance from them.
  • Memberships - Affiliation with certain professional organizations is a good way to get lower rates when shopping for auto insurance.
  • Anti-lock Brake System - Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
  • New Vehicle Savings - Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
  • Good Student Discount - A discount for being a good student can save 20 to 25%. This discount can apply well after school through age 25.
  • Accident Waiver - A few companies allow you one accident before raising your premiums if your claims history is clear for a certain period of time.
  • Anti-theft System - Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
  • Student Driver Training - Have your child successfully complete driver's ed class if it's offered in school.

Consumers should know that most discount credits are not given to your bottom line cost. Most only apply to specific coverage prices like liability and collision coverage. So even though they make it sound like you could get a free auto insurance policy, companies don't profit that way. But all discounts will cut your premiums.

To see a list of insurance companies who offer auto insurance discounts in Lugoff, click here to view.

compare Lugoff auto insurance rates

How to Get Cheap Auto Insurance in Lugoff, SC

There are multiple methods to compare auto insurance quotes, but some are less labor-intensive and much quicker. You can waste a lot of time talking to insurance companies in Lugoff, or you could use online quotes to accomplish the same thing much quicker.

Many insurance companies take part in a program that enables customers to enter their policy data once, and each participating company provides a quote for coverage. This saves time by eliminating quote forms to each individual auto insurance company.

To submit your quote information now, click to open in new window.

One minor caviat to doing it this way is you can't choose which carriers to get quotes from. If you wish to select individual companies to compare prices, we have a page of companies who write auto insurance in South Carolina. Click to view list.

It's up to you which method you use, but make sure you use the exact same information for each price quote. If you use higher or lower deductibles you can't possibly truly determine the lowest rate in Lugoff.

Why some people pay less for insurance in Lugoff

An important part of buying insurance is that you know the different types of things that help determine auto insurance rates. Understanding what controls the rates you pay allows you to make educated decisions that will entitle you to better auto insurance rates.

The following are a few of the "ingredients" companies use to determine prices.

  • Theft deterrents lower rates - Purchasing a vehicle with a theft deterrent system can save you a little every year. Theft prevention features such as GM's OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping car theft.
  • Your location is important - Residing in a small town can save you money when buying auto insurance. Fewer people means fewer accidents. City drivers tend to have traffic congestion and much longer commute distances. Longer commute distances translates into higher accident risk.
  • Please use or commuting - Driving more miles in a year's time the higher your rate. Most companies price each vehicle's coverage based on how the vehicle is used. Cars and trucks that are left in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Verify your auto insurance coverage is showing the proper vehicle usage.
  • Liability coverage is peace of mind - Liability coverage is the protection when a jury decides you are liable for damages from an accident. Liability insurance provides for a legal defense up to the limits shown on your policy. Liability insurance is quite affordable when compared with rates for comp and collision, so do not cut corners here.
  • Small claims can cost you - Companies in South Carolina award better rates to people who file claims infrequently. If you frequently file small claims, you can expect either a policy non-renewal or much higher rates. Car insurance is intended to be relied upon for the bigger claims that can't be paid out-of-pocket.

Your personal situation dictates your coverage

When choosing the right insurance coverage for your personal vehicles, there is no single plan that fits everyone. Your needs are not the same as everyone else's.

Here are some questions about coverages that can help discover whether or not you might need an agent's assistance.

  • Are my tools covered if they get stolen from my vehicle?
  • When does my teenage driver need to be added to my policy?
  • What happens if I owe more than my vehicle is worth?
  • Do I qualify for additional discounts?
  • Am I covered if I drive in a foreign country?
  • Do I need PIP (personal injury protection) coverage in South Carolina?
  • Should I file a claim if it's only slightly more than my deductible?

If you're not sure about those questions, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

The auto insurance bait and switch

South Carolina drivers can't get away from ads for car insurance savings by companies like State Farm, Allstate and GEICO. They all make an identical promise that you'll save big after switching to them.

How do they all say the same thing? It's all in the numbers.

Different companies have a preferred profile for the type of driver that is profitable for them. For example, a driver they prefer might be profiled as between the ages of 30 and 50, has no prior claims, and drives less than 10,000 miles a year. A propective insured who meets those qualifications is entitled to the best price and therefore will cut their rates substantially.

Drivers who don't measure up to the "perfect" profile will be quoted higher premiums and ends up with business not being written. The ads state "customers who switch" not "everyone that quotes" save money. This is how companies can advertise the way they do.

This emphasizes why drivers must get as many comparisons as possible. It's not possible to predict which insurance companies will provide you with the cheapest rates.

A tidy conclusion

People change insurance companies for a variety of reasons including unfair underwriting practices, delays in paying claims, questionable increases in premium or policy cancellation. Regardless of your reason, finding a new auto insurance company is actually quite simple.

As you go through the steps to switch your coverage, never reduce coverage to reduce premium. There have been many situations where consumers will sacrifice physical damage coverage only to discover later that the savings was not a smart move. The proper strategy is to buy a smart amount of coverage at the best price while still protecting your assets.

Discount auto insurance can be purchased on the web and with local Lugoff insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some auto insurance companies do not offer the ability to get a quote online and these regional insurance providers work with independent agents.

South Carolina auto insurance quotes

Much more information about auto insurance in South Carolina can be found on the South Carolina Department of Insurance website found here. South Carolina drivers can view a list of available companies, view agent and company licensing information, and file complaints about an insurance agent or broker.