7 Discounts Walhalla Shoppers Forget when Comparing Car Insurance

Nobody looks forward to paying for car insurance, particularly when they are paying too much. Big companies like State Farm, Allstate, GEICO and Progressive continually hit you with fancy advertisements and it can be hard to sift through the bull and effectively compare rates to find the best deal.

If you are insured now or are looking for a new policy, you can learn to find the best rates while maintaining coverages. Finding the best rates in Walhalla is not that difficult. South Carolina consumers only need to know the most efficient way to shop for car insurance online.

These seven discounts can lower your rates

Car insurance companies don't always advertise every discount in a way that's easy to find, so the following is a list of both the well known and also the lesser-known car insurance savings. If you aren't receiving every discount you qualify for, you are throwing money away.

  • Federal Employees - Active or retired federal employment can save as much as 8% with a few car insurance companies.
  • Anti-theft Discount - Anti-theft and alarm systems help deter theft and earn discounts up to 10%.
  • Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class in high school.
  • Pay Upfront and Save - If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
  • Discount for Life Insurance - Companies who offer life insurance give better rates if you take out a life insurance policy as well.
  • Defensive Driving Course - Completing a defensive driving course can save you 5% or more if you qualify.
  • Clubs and Organizations - Being a member of a civic or occupational organization could qualify you for a break when shopping for car insurance.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Most only cut specific coverage prices like comp or med pay. So even though they make it sound like it's possible to get free car insurance, you won't be that lucky.

Different people need different coverages

When it comes to buying coverage for your vehicles, there really is not a "best" method to buy coverage. Every situation is different and a cookie cutter policy won't apply. For instance, these questions might point out whether you might need an agent's assistance.

  • Am I covered if I drive in a foreign country?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my cargo covered for damage or theft?
  • Are my tools covered if they get stolen from my vehicle?
  • What happens if I owe more than my vehicle is worth?
  • Do I really need UM/UIM coverage?
  • Do I need special endorsements for business use of my vehicle?

If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It's fast, doesn't cost anything and you can get the answers you need.

Are you falling for claims of savings?

Consumers in South Carolina get pounded daily by advertisements for cheaper car insurance from the likes of Progressive, Allstate and GEICO. They all say the same thing about savings if you move your coverage to them.

How can each company claim to save you money? It's all in the numbers.

All companies have a certain "appetite" for the type of customer that earns them a profit. A good example of a driver they prefer might be between the ages of 30 and 50, owns a home, and has great credit. Any new insured who fits that profile will qualify for the lowest rates and as a result will probably save when they switch companies.

Consumers who are not a match for the requirements will be quoted higher rates which usually ends up with the customer not buying. The ad wording is "customers who switch" not "everybody who quotes" save that much money. That is how companies can truthfully advertise the savings. This emphasizes why drivers should compare as many rates as you can. It's just too difficult to predict which company will give you the biggest savings.

Even more information can be read at the South Carolina Department of Insurance website. Visitors are able to download brochures, read consumer alerts, view a list of available companies, and discover disciplinary actions.

Walhalla car insurance quote

Best coverage at the best price

As you prepare to switch companies, it's not a good idea to skimp on coverage in order to save money. There are too many instances where an insured cut collision coverage and discovered at claim time that the small savings ended up costing them much more. Your strategy should be to purchase a proper amount of coverage at the best price while still protecting your assets.

The cheapest car insurance is possible both online as well as from independent agents in Walhalla, and you should compare price quotes from both to get a complete price analysis. There are still a few companies who don't offer you the ability to get quotes online and these small insurance companies work with independent agents.