Find Cheap Union Auto Insurance

Are you intimidated by the dozens of auto insurance company choices in Union? Lot's of other consumers are too. You have so many options available that it can turn into a real hassle to locate the lowest price.

It's important to compare prices every six months because prices are constantly changing. If you had the lowest price a few years ago a different company probably has better rates today. There is a lot of bad information regarding auto insurance on the web, but I'm going to show you some great ways to find cheap auto insurance.

Finding the best rates in Union is quite easy. If you are insured now or are shopping for new coverage, you can learn to find better prices while maintaining coverages. South Carolina drivers only need an understanding of the best way to buy auto insurance online.

Are you getting all your discounts?

Companies offering auto insurance don't always advertise all their discounts very clearly, so we researched both the well known as well as the least known auto insurance savings. If you're not getting every credit possible, you are throwing money away.

  • Sign Online - Certain companies may give you up to $50 simply for signing over the internet.
  • Clubs and Organizations - Being a member of a qualifying organization could qualify you for a break on auto insurance.
  • No Accidents - Drivers with accident-free driving histories pay much less as compared to drivers who are more careless.
  • No Charge for an Accident - Certain companies will forgive one accident before your rates go up as long as you don't have any claims prior to the accident.
  • Bundle and Save - If you have multiple policies with one insurance company you may save up to 20% off your total premium.
  • Federal Government Employee - Active or retired federal employment can save as much as 8% with select insurance companies.
  • Discount for Life Insurance - Larger companies have a discount if you purchase a life insurance policy as well.
  • Defensive Driving Course - Completing a defensive driving course could possibly earn you a 5% discount if you qualify.

Consumers should know that most credits do not apply to all coverage premiums. Some only apply to individual premiums such as liability, collision or medical payments. Even though it may seem like you can get free auto insurance, companies don't profit that way.

Good Decisions Result in Lower Rates

Smart consumers have a good feel for some of the elements that come into play when calculating the rates you pay for auto insurance. Knowing what determines base rates enables informed choices that may reward you with lower auto insurance prices.

  • Marriage brings a discount - Having a wife or husband actually saves money when buying auto insurance. It means you're more mature and responsible and it's proven that being married results in fewer claims.
  • Protect your assets with liability insurance - The liability section of your policy provides coverage if ever you are found liable for causing damage or personal injury in an accident. Liability provides legal defense starting from day one. This coverage is very inexpensive compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Rates may be higher depending on your occupation - Jobs such as judges, architects and financial analysts tend to have higher average rates because of job stress and lengthy work days. Conversely, occupations such as actors, engineers and the unemployed receive lower rates.
  • Where you live is a factor - Choosing to live in a rural area can be a good thing when talking about auto insurance. City drivers tend to have much more traffic and longer commute times. Less people living in that area translates into fewer accidents as well as less vandalism and auto theft.
  • Too many auto insurance claims drive up costs - If you are a frequent claim filer, you can pretty much guarantee either a policy non-renewal or much higher rates. Car insurance companies in South Carolina provide lower rates to policyholders who are claim-free. Auto insurance is intended for the large, substantial claims.
  • Proper usage rating affects rates - The more you drive in a year the more you will pay for auto insurance. Most insurance companies charge to insure your cars determined by how the vehicle is used. Vehicles left parked in the garage receive lower rates than vehicles that are driven to work every day. Make sure your auto insurance policy shows the correct driver usage, because improper ratings can cost you money.

How can State Farm, GEICO and Progressive save drivers who switch?

Consumers in South Carolina get pounded daily by advertisements that promise big savings by State Farm, GEICO and Progressive. They all seem to say the same thing of big savings if you move to their company.

How does each company claim to save you money?

All companies are able to cherry pick for the driver that earns them a profit. For instance, a desirable insured might be between the ages of 40 and 55, has no driving citations, and drives less than 7,500 miles a year. A customer getting a price quote who fits that profile will qualify for the lowest rates and as a result will probably save when switching.

Potential customers who are not a match for these standards will have to pay a more expensive rate which usually ends up with the customer not buying. The ad wording is "customers that switch" not "everybody who quotes" save that much. That's the way insurance companies can confidently advertise the way they do. Because of the profiling, drivers should get as many quotes as possible. It's impossible to know which auto insurance company will provide you with the cheapest rates.

More tips and info about auto insurance is located at the South Carolina Department of Insurance website. Visitors are able to get help finding coverage, find out which companies have the most complaints, and read industry bulletins.

And the best car insurance company is...

Cost effective auto insurance is definitely available both online and also from your neighborhood Union agents, so you should be comparing quotes from both to have the best rate selection. Some auto insurance companies may not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

Consumers who switch companies do it for a number of reasons such as an unsatisfactory settlement offer, questionable increases in premium, high rates after DUI convictions and even policy non-renewal. Regardless of your reason for switching companies, choosing a new insurance company is less work than it seems.

When shopping online for auto insurance, never skimp on coverage in order to save money. In many cases, someone sacrificed collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your aim should be to get the best coverage possible at a price you can afford.