5 Discounts St Stephen Shoppers Forget when Shopping for Car Insurance

Searching for cheap St Stephen car insurance online is rather challenging for people who are new to buying insurance online. Because there are so many companies competing online, how can consumers even start to compare them all to find the cheapest rates?

It's important to compare prices yearly since rates are constantly changing. If you had the lowest rates two years ago you will most likely find a better rate today. So ignore everything you know about car insurance because we're going to show you the tricks you need to know to find lower rates on car insurance.

Finding the lowest cost car insurance coverage in St Stephen is not that difficult. If you are insured now or need a new policy, you can learn to find better prices and still get good coverage. South Carolina consumers only need to know the best way to compare prices online.

How much can you save with these 5 discounts?

The cost of insuring your cars can be expensive, but you can get discounts to help offset the cost. Certain discounts will be triggered automatically when you purchase, but lesser-known reductions have to be specially asked for before being credited. If you're not getting every credit you deserve, you are throwing money away.

College Student - Youth drivers who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
New Car Discount - Buying coverage on a new vehicle is cheaper since new cars are generally safer.
Pay Upfront and Save - By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
Anti-theft Discount - Vehicles with anti-theft systems prevent vehicle theft and earn discounts up to 10%.
Sign Early and Save - Some companies give discounts for switching to them prior to your current policy expiring. It can save you around 10%.

A little note about advertised discounts, some of the credits will not apply to your bottom line cost. Most only apply to specific coverage prices like liability, collision or medical payments. So despite the fact that it appears you can get free auto insurance, you won't be that lucky. Any amount of discount will bring down the amount you have to pay.

How much car insurance do I need?

When it comes to buying adequate coverage for your personal vehicles, there isn't really a "perfect" insurance plan. Your needs are not the same as everyone else's.

For example, these questions can help discover if your insurance needs will benefit from professional help.

Do I pay less if my vehicle is kept in my garage?
Who is covered when they drive my vehicle?
What can I do if my company won't pay a claim?
What are South Carolina no-fault laws?
Do I need special endorsements for business use of my vehicle?
Does my policy cover me when driving someone else's vehicle?
Does my car insurance cover rental cars?

If you can't answer these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form. It's fast, doesn't cost anything and you can get the answers you need.

Save 15 percent in 15 minutes? Is it for real?

Consumers get pounded daily by advertisements for car insurance savings by Progressive, GEICO, Allstate and State Farm. They all seem to have a common claim about savings if you move to their company.

How does each company make the same claim? It's all in the numbers.

All companies have a preferred profile for the driver that earns them a profit. For example, a desirable insured could be between the ages of 40 and 55, has no prior claims, and chooses high deductibles. Any new insured that hits that "sweet spot" is entitled to the best price and is almost guaranteed to save when switching.

Consumers who don't meet these standards will have to pay higher prices and this can result in business going elsewhere. Company advertisements say "customers who switch" but not "drivers who get quotes" save that much. This is how companies can truthfully state the savings.

Because of the profiling, you should get a wide range of price quotes. It's just too difficult to predict which insurance companies will give you the biggest savings.

Additional information can be found on the South Carolina Department of Insurance website found here. Consumers can read enforcement actions against agents and companies, file complaints about an insurance agent or broker, and view a list of available companies.

In the end, you save

When buying insurance coverage, it's very important that you do not buy lower coverage limits just to save a few bucks. There are many occasions where consumers will sacrifice uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your aim should be to buy enough coverage at the best price.

Drivers who switch companies do it for a variety of reasons including not issuing a premium refund, delays in paying claims, unfair underwriting practices and even policy cancellation. It doesn't matter what your reason, finding a new car insurance company is less work than it seems.

The cheapest car insurance is possible from both online companies and also from your neighborhood St Stephen agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance companies may not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.