Free Guide to Saving Money on Mullins Auto Insurance Online

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Believe me, many Mullins consumers feel financially strained by their auto insurance policy.

There is such a variety of to buy insurance from, and though it is a good thing to have multiple companies, so many choices can make it hard to compare rates.

It's important to get comparison quotes every six months because insurance rates are constantly changing. Even if you think you had the best rates six months ago a different company probably has better rates today. There is a lot of bad information regarding auto insurance online but I'm going to show you some great ways to find cheap auto insurance.

Buying car insurance in Mullins is easy if you know what you're doing. If you currently have car insurance, you should be able to reduce your rates substantially using these methods. But South Carolina drivers do need to know the way insurance companies market insurance on the web.

Save big with these discounts

Car insurance companies don't necessarily list all their discounts very clearly, so the following is a list of both well-publicized and the harder-to-find ways to save on auto insurance.

Save over 55 - If you qualify as a senior citizen, you may receive a discount up to 10%.
Clubs and Organizations - Participating in a qualifying organization could trigger savings on auto insurance.
Drive Less and Save - Low mileage vehicles could qualify for better rates on cars that stay parked.
Sign Online - Some insurance companies will discount your bill up to fifty bucks for buying a policy and signing up over the internet.
Military Discounts - Having a family member in the military could be rewarded with lower premiums.
Seat Belts Save more than Lives - Requiring all passengers to use their safety belts could save 15% off your PIP or medical payments premium.
No Claims - Drivers with accident-free driving histories pay less as compared to drivers who are more careless.
Pay Now and Pay Less - If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
Homeowners Discount - Owning a house in Mullins may earn you a small savings because maintaining a house demonstrates responsibility.

Consumers should know that many deductions do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because you may think you could get a free auto insurance policy, companies don't profit that way.

Understand what determines the rate you pay

Smart consumers have a good feel for the rating factors that play a part in calculating the price you pay for auto insurance. Knowing what controls the rates you pay helps enable you to make changes that may reward you with better auto insurance rates.

Shown below are some of the items that factor into rates.

Older drivers pay less - Teen drivers in South Carolina have a tendency to be more careless when behind the wheel so they pay higher auto insurance rates. Older insureds are viewed as being more responsible, tend to cause fewer accidents and receive fewer citations.
Liability coverage is peace of mind - Your policy's liability coverage provides coverage if ever a court rules you are at fault for damages caused by your negligence. It will provide you with a defense in court up to the limits shown on your policy. This coverage is very inexpensive as compared to coverage for physical damage, so drivers should carry high limits.
Don't get talked into coverage you don't need - There are quite a few extra coverages that you can buy on your auto insurance policy. Coverages for roadside assistance, towing coverage and membership fees may be wasting your money. They may seem like a good idea when talking to your agent, but your needs may have changed so eliminate them to save money.
Being married can save on auto insurance - Getting married helps lower the price on your auto insurance policy. It usually means you are more mature than a single person it has been statistically shown that being married results in fewer claims.
Safer cars are cheaper to insure - Safer cars tend to have better insurance rates. These vehicles have better occupant injury protection and lower injury rates means lower claim amounts and thus lower rates.
Never allow your policy to lapse - Not having insurance is a misdemeanor and as a result your rates will increase for letting your insurance lapse. Not only will you pay more, failure to provide proof of insurance can result in a hefty fine and possibly a revoked license.Then you may be required to prove you have insurance by filing a SR-22 with the South Carolina motor vehicle department to get your license reinstated.

Auto insurance ads bend the truth

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm consistently run ads on TV and radio. They all seem to make the same claim that you'll save big if you change your policy. How does each company make almost identical claims? This is how they do it.

Different companies are able to cherry pick for the right customer that earns them a profit. A good example of a desirable insured could possibly be a mature driver, has no driving citations, and has a high credit rating. A driver who matches those parameters will get very good rates and most likely will save when switching.

Potential customers who fall outside these standards will have to pay a higher premium which leads to the driver buying from a lower-cost company. The ads say "drivers who switch" not "people who quote" save that kind of money. That's the way companies can state the savings. Because of the profiling, drivers should get as many comparisons as possible. It is impossible to predict which auto insurance company will have the lowest rates.

More detailed South Carolina auto insurance information can be read at the South Carolina Department of Insurance website. South Carolina consumers can read enforcement actions against agents and companies, find out which companies have the most complaints, discover disciplinary actions, and get help finding coverage.

Shop smart and save

As you restructure your insurance plan, never skimp on coverage in order to save money. There are many occasions where someone sacrificed full coverage and found out when filing a claim that they should have had better coverage. Your aim should be to find the BEST coverage for the lowest price.

Discount auto insurance is attainable online in addition to many Mullins insurance agents, and you need to price shop both to have the best rate selection. Some insurance companies do not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.