Wando Auto Insurance For Less Than You're Paying Now

Buying the most affordable Wando auto insurance over the internet can be impossible for people who are new to online price comaprisons. With so many choices of insurers available, how can you possibly compare them all to find the lowest price?

It's important to shop coverage around quite often since insurance rates are constantly changing. Just because you had the best rates a year ago the chances are good that you can find a lower rate today. You'll find quite a bit of inaccurate information about auto insurance on the internet, so we're going to give you some great ways to save money.

Save big with these discounts

Car insurance companies don't always list every available discount in a way that's easy to find, so the following is a list of some of the best known and the more hidden savings tricks you should be using. If you aren't receiving every discount you deserve, you're paying more than you need to.

  • Anti-lock Brake System - Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
  • New Vehicle Savings - Insuring a new car can be considerably cheaper due to better safety requirements for new cars.
  • Air Bag Discount - Vehicles with factory air bags or automatic seat belts can qualify for discounts up to 30%.
  • Seat Belts Save - Drivers who require all occupants to buckle their seat belts can save up to 15% off the personal injury premium cost.
  • Claim Free - Drivers who don't have accidents pay less compared to bad drivers.

Keep in mind that most discount credits are not given to the overall cost of the policy. Most cut the cost of specific coverages such as comprehensive or collision. So even though they make it sound like all those discounts means the company will pay you, it just doesn't work that way.

To see a list of providers offering auto insurance discounts in Wando, click here to view.

Wando auto insurance quote

How to Buy Wando Auto Insurance Online

Finding cheaper auto insurance prices is surprisingly easy. You just have to invest a few minutes comparing rates from different insurance companies. It is quite easy and can be accomplished in several different ways.

  • The best way to find low rates is to use a rate comparison form (click to open form in new window). This easy form keeps you from doing repetitive form submissions to each individual auto insurance company. One form will return quotes from multiple companies.It's the quickest way to get rates.
  • A harder way to get quotes online is to take the time to go to the website for each individual company and fill out their own quote form. For example, let's say you want comparison quotes from , and . To find out each rate you need to visit each site and enter your information, which is why most consumers use the first method.

    To view a list of companies in Wando, click here.

It's up to you which method you use, but make darn sure you compare exactly the same coverages and limits for each comparison quote. If you compare different deductibles it will be next to impossible to determine the lowest rate in Wando.

Tips to Get Lower Wando Rates

An important part of buying insurance is that you know the different types of things that go into determining auto insurance rates. Having a good understanding of what influences your rates empowers consumers to make smart changes that can help you get big savings.

  • How many coverages with the same company - Most insurers give discounts to people who carry more than one policy such as combining an auto and homeowners policy. Discounts can add up to five, ten or even twenty percent. Even with this discount, you may still want to compare rates to verify if the discount is saving money.
  • Mature drivers pay less - More mature drivers tend to be more responsible, file fewer claims and receive fewer citations. Teenage drivers are statistically proven to be less responsible when driving and because of this, their auto insurance rates are much higher.
  • High credit ratings translate to low rates - Your credit score is a large factor in determining what you pay for auto insurance. So if your credit is lower than you'd like, you could pay less to insure your by improving your credit score. People with excellent credit tend to be more responsible than those with poor credit.
  • No coverage gaps is important - Having an insurance coverage lapse is a quick way to pay more for auto insurance. Not only will you pay more, failure to provide proof of insurance might get you a revoked license or a big fine.
  • Your occupation can affect rates - Did you know your auto insurance rates can be affected by your occupation? Occupations like real estate brokers, business owners and dentists have the highest average rates attributed to high stress and lots of time spent at work. Other professions such as pilots, historians and homemakers get better rates.

But I don't know anything about car insurance

When choosing coverage for your personal vehicles, there really is not a single plan that fits everyone. Each situation is unique.

These are some specific questions may help you determine if your situation will benefit from professional help.

  • Do I need PIP (personal injury protection) coverage in South Carolina?
  • Should I file a claim if it's only slightly more than my deductible?
  • Should I drop comprehensive coverage on older vehicles?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Are there companies who specialize in insuring high-risk drivers?
  • Do I really need UM/UIM coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What are the financial responsibility laws in South Carolina?

If you're not sure about those questions, then you may want to think about talking to an insurance agent. If you don't have a local agent, complete this form. It only takes a few minutes and can provide invaluable advice.

Auto insurance ads bend the truth

South Carolina drivers can't get away from ads for car insurance savings from the likes of Allstate and Progressive. All the ads make an identical promise that you can save if you switch your coverage to them.

How can each company say the same thing?

All the different companies have a preferred profile for the type of customer that is profitable for them. A good example of a preferred risk might be profiled as between the ages of 40 and 55, insures multiple vehicles, and has excellent credit. A propective insured who meets those qualifications gets the lowest rates and most likely will save when they switch companies.

Consumers who fall outside the requirements will be charged higher prices and ends up with business not being written. The ads say "people who switch" not "people who quote" save that much money. This is how insurance companies can make those claims. That is why drivers must get as many comparisons as possible. It's not possible to predict which insurance companies will have the lowest rates.

Best coverage at the best price

While you're price shopping online, it's a bad idea to reduce coverage to reduce premium. Too many times, drivers have reduced collision coverage and discovered at claim time they didn't purchase enough coverage. The aim is to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

Throughout this article, we presented some good ideas how you can compare auto insurance prices online. The key thing to remember is the more quotes you get, the better chance you'll have of finding lower rates. You may even find the lowest priced auto insurance comes from a company that doesn't do a lot of advertising.

People switch companies for many reasons like policy cancellation, not issuing a premium refund, poor customer service or being labeled a high risk driver. Whatever your reason, finding the right auto insurance provider is actually quite simple.

Wando auto insurance comparison

More sites with auto insurance information

Additional detailed information can be read at the South Carolina Department of Insurance website. South Carolina drivers can read consumer alerts, read enforcement actions against agents and companies, and find out industry alerts.