Find Cheaper Ward Car Insurance

Buying the lowest cost Ward car insurance online can be challenging for people who are new to comparison shopping online. With dozens of companies competing online, how can consumers even start to compare them all to find the best available price?

How to Lower Your Car Insurance Cost in Ward, South Carolina

Comparing car insurance rates can be exhausting if you don't know the most efficient way. You could spend your day talking about coverages with local insurance agents in Ward, or you could save time and use online quotes to accomplish the same thing much quicker.

All the larger companies enroll in a system that allows shoppers to only type in their quote data once, and at least one company returns a rated price for coverage. This prevents consumers from doing quote requests for each company you want a rate for. To submit your quote information now, click here (opens in new window).

The one disadvantage to getting quotes like this is that consumers can't choose which companies you want pricing from. So if you want to choose specific providers to request quotes from, we have assembled a list of car insurance companies in South Carolina. Click here for list of insurance companies in South Carolina.

However you get your quotes, ensure you are comparing the exact same coverage limits and deductibles for each comparison quote. If you use different liability limits it's not possible to determine the lowest rate in Ward.

Ward Rates are Influenced by These Factors

It's important that you understand the factors that go into determining your car insurance rates. Understanding what influences your rates enables informed choices that could result in lower car insurance prices.

Liability insurance protects assets - Liability insurance is the protection if you are found to be at fault for causing damage or personal injury in an accident. It provides you with a defense in court starting from day one. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not skimp.
Battle of the sexes - Statistics have proven that men are more aggressive behind the wheel. That doesn't necessarily mean that men are worse drivers. Women and men have accidents at a similar rate, but the male of the species cause more damage. Men also tend to get more serious tickets such as reckless driving. Young males are most likely to cause an accident and thus pay the highest rates.
One company can mean more discounts - Most insurance companies will award you with lower prices to policyholders who have multiple policies with them. It's known as a multi-policy discount. Discounts can add up to 10 percent or more. Even with this discount, you still need to shop around to ensure the best deal.
High deductibles save money - The deductibles represent how much money you are willing to pay before a claim is paid by your company. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some instances where coverage would apply are colliding with a building, collision with an animal, and windstorm damage. The more expense you are required to pay out-of-pocket, the bigger discount you will receive.
How's your driving record? - Careful drivers have lower premiums than bad drivers. Even a single speeding ticket can boost insurance rates by as much as thirty percent. Drivers with serious tickets such as reckless driving, hit and run or driving under the influence are required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to continue driving.
Older drivers save more - More mature drivers are more responsible, tend to file fewer claims and are safer drivers. Young drivers are statistically proven to be less responsible when driving therefore car insurance rates are much higher.

How much can you save with discounts?

Companies that sell car insurance don't necessarily list all available discounts in an easy-to-find place, so the following is a list of some of the more common as well as the least known discounts you could be receiving. If they aren't giving you every credit you deserve, you're just leaving money on the table.

Multi-car Discount - Buying insurance for more than one vehicle on one policy may reduce the rate for each vehicle.
Accident Waiver - A few companies will forgive one accident without raising rates so long as you haven't had any claims prior to the accident.
Anti-theft Discount - Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.
Own a Home - Owning a home in Ward can save you money because owning a home demonstrates responsibility.
Good Student Discount - Getting good grades can get you a discount of up to 25%. The good student discount can last until age 25.

It's important to note that some of the credits will not apply to all coverage premiums. Most only apply to individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears it's possible to get free car insurance, you're out of luck.

For a list of insurers offering car insurance discounts in Ward, click here.

Additional detailed information can be read at the South Carolina Department of Insurance website. Consumers can find out which companies have the most complaints, learn about insurance regulations, and read consumer alerts.

In the end, you save

Lower-priced car insurance can be found from both online companies and also from your neighborhood Ward agents, so compare prices from both in order to have the best price selection to choose from. Some car insurance companies may not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, never reduce needed coverages to save money. In too many instances, drivers have reduced full coverage and found out when filing a claim that the savings was not a smart move. Your focus should be to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

We just showed you a lot of techniques to lower your car insurance rates. The key thing to remember is the more rate comparisons you have, the better likelihood of reducing your rate. Consumers could even find that the best prices are with the least-expected company.