Proven Ways to Save on Marietta Auto Insurance

Tired of robbing Peter to pay Paul each month for car insurance? You are no different than many other South Carolina drivers.

Multiple compete for your hard-earned dollar, so it's not easy to compare every and uncover the absolute lowest price

It's important to compare prices once or twice a year since insurance rates are constantly changing. Despite the fact that you may have had the best deal a couple years back a different company probably has better rates today. Starting now, forget all the misinformation about auto insurance because it's time to teach you the proper way to find lower rates on auto insurance.

Save big with these discounts

Car insurance companies don't always publicize every available discount in an easy-to-find place, so here is a list some of the best known and also the lesser-known auto insurance savings.

Anti-theft System - Anti-theft and alarm systems can help prevent theft and earn discounts up to 10%.
Payment Method - If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
Senior Discount - If you qualify as a senior citizen, you may be able to get better auto insurance rates.
Clubs and Organizations - Affiliation with certain professional organizations could qualify you for a break on your policy.
E-sign - Some insurance companies give back up to $50 just for signing your application on their website.

Keep in mind that most credits do not apply to the entire cost. Some only reduce specific coverage prices like comprehensive or collision. Even though it may seem like you could get a free auto insurance policy, it just doesn't work that way.

Good Decisions Result in Lower Rates

Smart consumers have a good feel for some of the elements that help determine auto insurance rates. Understanding what influences your rates enables informed choices that can help you get better auto insurance rates.

The following are some of the factors auto insurance companies consider when setting your rates.

One company can mean more discounts - Many companies give discounts to people who carry more than one policy. It's known as a multi-policy discount. Discounts can be anywhere from five to ten percent in most cases. Even with this discount, it's still a good idea to compare other company rates to ensure the best deal. You may still find better rates by splitting coverages up.
Car features impact rates - Driving a car with a theft deterrent system can save you a little every year. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your car from being stolen.
Older drivers pay less - Mature drivers tend to be more responsible, tend to cause fewer accidents and receive fewer citations. Teenage drivers are known to be less responsible in a vehicle therefore auto insurance rates are much higher.
Do you have enough liability coverage? - Liability coverage will protect you in the event that a jury decides you are liable for causing damage or personal injury in an accident. It will provide legal defense coverage up to the limits shown on your policy. Liability is cheap when compared with rates for comp and collision, so buy as much as you can afford.
Marriage brings a discount - Being married can get you a discount when buying auto insurance. Marriage means you're more mature and statistics show drivers who are married are more cautious.
Low deductibles can be expensive - Physical damage insurance, termed comprehensive and collision coverage on your policy, protects your car from damage. Some instances where coverage would apply are collision with another vehicle, collision with an animal, and windstorm damage. Your deductibles are the amount of money you are required to spend before a claim is paid by your company. The more money you are required to pay out-of-pocket, the less your company will charge you for insurance.
Small claims can cost you - Insurance companies in South Carolina provide better rates to drivers who are claim-free. If you tend to file frequent claims, you can look forward to either a policy non-renewal or much higher rates. Car insurance is intended to be relied upon for major claims that would cause financial hardship.

Auto insurance ads bend the truth

Companies like Allstate and Progressive continually stream ads on TV and radio. All the ads say the same thing that you can save after switching to their company. How do they all say the same thing? It's all in the numbers.

Different companies can use profiling for the driver that earns them a profit. An example of a preferred risk might be profiled as over the age of 40, has no tickets, and drives less than 10,000 miles a year. A propective insured who fits that profile will get very good rates and most likely will cut their rates substantially.

Consumers who fall outside the "perfect" profile will be charged higher rates which usually ends up with business not being written. The ads say "customers who switch" not "people who quote" save that much. That's why insurance companies can advertise the way they do. That is why drivers should get as many comparisons as possible. It's not possible to predict the company that will provide you with the cheapest rates.

Additional detailed information is available at the South Carolina Department of Insurance website. South Carolina drivers can read consumer alerts, view a list of available companies, read enforcement actions against agents and companies, and find out which companies have the most complaints.

Do the work, save more money

As you go through the steps to switch your coverage, never skimp on coverage in order to save money. Too many times, an insured dropped liability limits or collision coverage only to find out that the savings was not a smart move. The aim is to find the BEST coverage at the best price, not the least amount of coverage.

Affordable auto insurance can be bought on the web and also from your neighborhood Marietta agents, and you need to comparison shop both to get a complete price analysis. Some auto insurance companies may not provide you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.