Tightwads Tips for Saving on Saluda Auto Insurance

I can't think of a single person who likes having to buy auto insurance, particularly when the price is too high.

You have so many to pick from, and although it's a good thing to have a choice, lots of choices makes it harder to compare rates.

It's important to price shop coverage occasionally because prices are constantly changing. Even if you got the best deal last year there may be better deals available now. Starting now, forget anything you know (or think you know) about auto insurance because you're going to get a crash course in the proper way to lower your annual insurance bill.

How much can you save with discounts?

Insuring your vehicles can cost a lot, buy you may qualify for discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you get a quote, but some must be asked for before you will receive the discount.

  • Accident Forgiveness - Certain companies permit an accident without raising rates as long as you don't have any claims for a certain period of time.
  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Discount for Life Insurance - Some companies give a discount if you purchase life insurance from them.
  • Homeowners Savings - Owning a house in Saluda may trigger a auto insurance policy discount due to the fact that maintaining a home requires personal responsibility.
  • Club Memberships - Being a member of a qualifying organization could qualify you for a break on auto insurance.

It's important to note that most credits do not apply to your bottom line cost. Most cut the cost of specific coverages such as liability, collision or medical payments. So when the math indicates you could get a free auto insurance policy, you're out of luck. But any discount will bring down the amount you have to pay.

For a list of companies who offer auto insurance discounts in South Carolina, follow this link.

Automobile Insurance Quotes in Saluda, SC

Effectively comparing auto insurance prices can take hours if you don't know the most efficient way to do it. You can waste hours driving to insurance agencies in Saluda, or you can utilize the web to get prices fast.

Most car insurance companies are enrolled in a marketplace that allows shoppers to enter their coverage request one time, and each participating company then gives them pricing. This eliminates the need for repetitive form submissions for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

The only downside to doing it this way is you are unable to specify the companies you want pricing from. If you would rather choose individual companies to compare, we have assembled a list of low cost auto insurance companies in South Carolina. Click to view list.

It doesn't matter which method you choose, just make absolute certain that you use identical information for each price quote. If you compare higher or lower deductibles it will be next to impossible to truly determine the lowest rate in Saluda. Just a small difference in limits may result in large price differences. And when quoting auto insurance, remember that comparing more company's prices helps you find the best price.

How much car insurance do I need?

When it comes to choosing proper insurance coverage for your vehicles, there isn't really a perfect coverage plan. Each situation is unique and a cookie cutter policy won't apply. For example, these questions might point out if your insurance needs would benefit from professional advice.

  • Does my policy cover me when driving someone else's vehicle?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • When does my teenage driver need to be added to my policy?
  • What are the financial responsibility laws in South Carolina?
  • Does my policy cover my teen driver if they drive my company car?
  • Do I have any recourse if my insurance company denies a claim?
  • Are rental cars covered under my policy?

If you don't know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don't have a local agent, complete this form or you can go here for a list of companies in your area.

The best insurance company isn't always the cheapest

Lower-priced auto insurance can be purchased both online in addition to many Saluda insurance agents, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who do not provide online quoting and most of the time these smaller companies sell through independent agents.

As you prepare to switch companies, make sure you don't sacrifice coverage to reduce premiums. In many cases, an insured cut liability limits or collision coverage only to find out that the small savings ended up costing them much more. Your aim should be to purchase plenty of coverage at an affordable rate.