Tightwads Guide to Saving on Roebuck Car Insurance

Nobody I know enjoys paying for car insurance, especially when their premiums are through the roof. Since consumers have many companies to choose from, it is very difficult to find the most affordable car insurance company.

Understand what determines the rate you pay

Consumers need to have an understanding of the different types of things that help determine your car insurance rates. When you know what positively or negatively influences your rates helps enable you to make changes that will entitle you to lower car insurance prices.

Frequent car insurance claims increase rates - If you file claims often, you can look forward to either a policy non-renewal or much higher rates. Companies in South Carolina award discounts to drivers who do not rely on their insurance for small claims. Auto insurance is meant to be used in the event of larger claims.
Clean credit earns discounts - Having a bad credit history is a important factor in determining your rates. So if your credit rating is not that good, you could save money insuring your by improving your rating. Consumers who have high credit scores tend to be less risk to insure than those with lower credit scores.
Rural vs Urban Areas - Living in a rural area can save you money when it comes to car insurance. Drivers who live in large cities regularly have traffic congestion and much longer commute distances. Less people living in that area means reduced accidents.
What type of vehicle do you drive? - The type of vehicle you are buying insurance for makes a big difference in the rate you pay. The lowest rates are usually for economy passenger cars, but there are many factors that impact the final cost.

Take advantage of discounts

Car insurance companies don't list every discount very well, so we break down some of the more common as well as the least known savings tricks you should be using. If you don't get every credit you qualify for, you are paying more than you should be.

Federal Employees - Employees or retirees of the government can save as much as 8% with a few car insurance companies.
Anti-lock Brake System - Vehicles equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.
Multiple Policy Discount - If you insure your home and vehicles with the same company you may earn up to 20% off your total premium.
Early Switch Discount - Some insurance companies reward drivers for switching to them prior to your current policy expiration. It's a savings of about 10%.
Passive Restraint Discount - Cars that have air bags or motorized seat belts can receive discounts up to 30%.

It's important to note that most discounts do not apply to your bottom line cost. Most only reduce individual premiums such as comp or med pay. So when it seems like all the discounts add up to a free policy, you're out of luck.

To choose insurance companies who offer car insurance discounts in South Carolina, click here to view.

Are car insurance companies telling the truth?

Consumers can't ignore all the ads for cheaper car insurance from companies such as Progressive, Allstate and GEICO. They all make an identical promise that you can save after switching your policy.

But how can every company make the same claim?

All companies have a certain "appetite" for the right customer that makes them money. For example, a driver they prefer could be between the ages of 40 and 55, owns a home, and has a short commute. A customer who meets those qualifications will get the preferred rates and most likely will save a lot of money.

Drivers who don't qualify for this ideal profile will be quoted higher premiums and ends up with business going elsewhere. The ads state "customers that switch" not "people who quote" save that kind of money. That is how insurance companies can make the claims of big savings. This emphasizes why you should compare as many rates as you can. Because you never know which company will fit your personal profile best.

How to know if you need help

When buying adequate coverage for your vehicles, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions might point out whether your personal situation will benefit from professional help.

Am I covered if I drive in a foreign country?
Can I get a multi-policy discount for packaging my home and auto coverage?
What are the best liability limits?
Does my car insurance cover rental cars?
Should I drop comprehensive coverage on older vehicles?
Can I rate high risk drivers on liability-only vehicles?
Should I rate my vehicle as pleasure use or commute?

If you're not sure about those questions but one or more may apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

For more South Carolina car insurance information

Additional detailed information can be found at the South Carolina Department of Insurance website. Consumers can download brochures, find out industry alerts, view agent and company licensing information, and learn about specific coverages.

Other informative sites include this online resource for car insurance quotes in South Carolina and this list of insurance agents in Roebuck.

In the end, you save

As you shop your coverage around, don't be tempted to buy poor coverage just to save money. There are too many instances where an insured cut uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to get the best coverage possible at a price you can afford while still protecting your assets.

We just showed you many tips how you can save on car insurance. The most important thing to understand is the more price quotes you have, the higher your chance of finding lower rates. Drivers may discover the lowest priced car insurance comes from the least-expected company. Some small companies often have lower prices on specific markets than their larger competitors like .