Comparing Cheaper West Columbia Auto Insurance

Have you had enough of scraping the payment together each month for car insurance? You are no different than millions of other consumers. Lots of contend for your business, so it's not easy to compare every to find the absolute lowest rate

Save big with these discounts

Car insurance companies don't always advertise all available discounts in an easy-to-find place, so the following is a list of both the well known and also the lesser-known auto insurance savings. If they aren't giving you every credit available, you are throwing money away.

  • Clubs and Organizations - Being a member of certain professional organizations could qualify you for a break when buying auto insurance.
  • Accident Free - Claim-free drivers pay less when compared with drivers who are more careless.
  • Fewer Miles Equal More Savings - Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
  • Discount for Swiching Early - Some companies give discounts for buying a policy prior to your current policy expiring. The savings is around 10%.
  • Good Students Pay Less - Performing well in school can get you a discount of up to 25%. The good student discount can last up until you turn 25.
  • Military Rewards - Having a deployed family member could be rewarded with lower premiums.

A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like all the discounts add up to a free policy, you won't be that lucky.

Auto insurance ads bend the truth

Consumers in South Carolina get pounded daily by advertisements for the lowest price auto insurance by companies like Allstate, GEICO and Progressive. All the companies say the same thing about savings if you change to them.

How do they all claim to save you money? It's all in the numbers.

All companies can use profiling for the type of driver that earns them a profit. A good example of a profitable customer might be over the age of 50, is a homeowner, and chooses high deductibles. A customer getting a price quote who fits that profile will qualify for the lowest rates and most likely will cut their rates substantially.

Consumers who fall outside the "perfect" profile must pay higher rates which usually ends up with the customer not buying. The ad wording is "customers who switch" not "people who quote" save money. That's why companies can truthfully state the savings. This illustrates why you should get as many comparisons as possible. It's impossible to know the company that will give you the biggest savings.

Learn more today

Even more information can be read at the South Carolina Department of Insurance website. Visitors are able to find out which companies have the most complaints, read industry bulletins, discover disciplinary actions, and learn about specific coverages.

In the end, you save

Cheaper auto insurance can be sourced both online and with local West Columbia insurance agents, and you should be comparing both to get a complete price analysis. Some insurance companies do not offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

We covered many ways to reduce auto insurance prices online. It's most important to understand that the more rate comparisons you have, the better chance you'll have of finding lower rates. You may even find the biggest savings come from some of the smallest insurance companies. Regional companies may cover specific market segments cheaper than their larger competitors like .