Proven Ways to Save on Pawleys Island Auto Insurance
Did you fall for a flashy sales pitch and buy overpriced auto insurance? Believe me when I say many Pawleys Island consumers feel financially strained by their auto insurance policy.
Online insurance companies like GEICO and Progressive all claim big savings with ad campaigns and it is difficult to sift through the bull and do the work needed to find the best deal.
It's important to shop coverage around at least once a year since insurance rates are constantly changing. Just because you had the lowest rates a few years ago there may be better deals available now. So just block out anything you think you know about auto insurance because it's time to teach you the tricks you need to know to find better rates and still maintain coverage.
Don't pay full price with these discounts
Car insurance is not cheap, buy you may qualify for discounts that you may not even be aware of. Certain discounts will be applied at the time of purchase, but lesser-known reductions have to be manually applied prior to receiving the credit.
- Theft Prevention Discount - Vehicles with anti-theft systems help deter theft and therefore earn up to a 10% discount.
- Defensive Driver - Successfully completing a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.
- Passive Restraints and Air Bags - Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
- Claim Free - Drivers with accident-free driving histories can save substantially compared to frequent claim filers.
- Drivers Ed for Students - Require your teen driver to take driver's ed class in school.
- Low Mileage - Driving fewer miles can earn a substantially lower rate.
As a disclaimer on discounts, some credits don't apply the the whole policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, auto insurance companies aren't that generous. Any amount of discount will reduce your premiums.
For a list of providers offering auto insurance discounts in Pawleys Island, click here.
Comprehensive Pawleys Island Auto Insurance Comparison Quotes
There are multiple methods to compare auto insurance prices and some are easier and takes less work. You can waste hours talking to agents in Pawleys Island, or you can stay home and use online quotes to get rate comparisons in just a few minutes.
Most car insurance companies are enrolled in a marketplace that enables customers to submit one quote, and each company can give them a price for coverage. This prevents consumers from doing form submissions to each individual auto insurance company. To submit your quote information now, click here (opens in new window).
The only drawback to getting quotes like this is you can't choose the companies you want to price. So if you want to select from a list of companies for rate comparison, we put together a list of the cheapest auto insurance companies in South Carolina. Click here for list of insurance companies in South Carolina.
Whichever method you choose, compare exactly the same coverages and limits for every quote you compare. If you use different deductibles it will be very difficult to determine the best price in Pawleys Island. Slightly different coverages may result in large price differences. Just keep in mind that comparing more company's prices will improve the odds of getting a lower rate.
Affordable insurance is out there
When shopping online for auto insurance, it's a bad idea to sacrifice coverage to reduce premiums. Too many times, an insured dropped uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. The aim is to buy a smart amount of coverage for the lowest price, not the least amount of coverage.
Cheap auto insurance is available on the web as well as from independent agents in Pawleys Island, and you should compare price quotes from both so you have a total pricing picture. Some auto insurance companies don't offer online quoting and many times these regional insurance providers only sell through independent insurance agents.
In this article, we covered a lot of ways to get a better price on auto insurance. The key thing to remember is the more quotes you get, the better your comparison will be. Drivers may discover the lowest rates come from a smaller regional carrier. These companies may have significantly lower rates on certain market segments as compared to the big name companies such as .
