Free Guide to Saving Money on Whitmire Car Insurance Online

Having to pay for overpriced car insurance can empty your savings account and force you to make sacrifices. Comparing price quotes is a great way to cut your insurance bill.

Big companies like State Farm, Allstate, GEICO and Progressive continually bombard you with advertising and it is difficult to sift through the bull and effectively compare rates to find the best deal.

If you have car insurance now, you will be able to save some money using these methods. Buying car insurance in Whitmire is quite easy. Nevertheless, South Carolina consumers do need to know the way insurance companies market insurance on the web and take advantage of how the system works.

Take advantage of discounts

Auto insurance companies don't list every discount in a way that's easy to find, so here is a list both the well known and also the lesser-known discounts you could be receiving.

Pay Now and Pay Less - By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
Life Insurance Discount - Larger companies have better rates if you take out a life insurance policy as well.
Low Mileage Discounts - Low mileage vehicles can qualify you for a substantially lower rate.
Senior Citizens - If you qualify as a senior citizen, you may receive a small decrease in premiums.
Clubs and Organizations - Being a member of a civic or occupational organization may earn a discount when shopping for car insurance.
Seat Belt Usage - Requiring all passengers to wear their seat belts could cut 10% or more off your PIP or medical payments premium.
Government Employees - Active or retired federal employment can save as much as 8% with a few car insurance companies.

It's important to understand that some of the credits will not apply to your bottom line cost. Most cut specific coverage prices like liability and collision coverage. So even though it sounds like it's possible to get free car insurance, it doesn't quite work that way.

Tips to Get Lower Whitmire Rates

Smart consumers have a good feel for the factors that play a part in calculating the rates you pay for car insurance. Having a good understanding of what determines base rates empowers consumers to make smart changes that will entitle you to lower car insurance prices.

Equipment add-ons that lower car insurance rates - Purchasing a vehicle with a theft deterrent system can help bring down rates. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all aid in stopping auto theft.
Please use or commuting - The higher the mileage driven in a year's time the higher your rate. Almost all companies charge to insure your cars determined by how the vehicle is used. Cars left parked in the garage can get a lower rate than those used for commuting. Make sure your car insurance declarations sheet is rated on the correct usage for each vehicle, because it can save money.
High crash test scores lower rates - Cars with high safety ratings get lower rates. The safest vehicles protect occupants better and any reduction in injury severity translates into savings for insurance companies and more competitive rates for policyholders.
Men are more aggressive - Statistics have proven women are more cautious behind the wheel. Now that doesn't mean women are BETTER drivers than men. Women and men tend to get into accidents at about the same rate, but the men tend to have more serious accidents. Men also statistically get more serious tickets like DUI and reckless driving.
Protect yourself with liability coverage - Your policy's liability coverage is the protection when you are found liable for personal injury or accident damage. It will provide legal defense coverage starting from day one. Liability insurance is quite affordable as compared to coverage for physical damage, so do not skimp.

How to know if you need help

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Your needs are not the same as everyone else's and your policy should reflect that. These are some specific questions can help discover whether your personal situation would benefit from professional advice.

Are my tools covered if they get stolen from my vehicle?
What happens if I owe more than my vehicle is worth?
Is my dog or cat covered if injured in an accident?
What can I do if my company won't pay a claim?
Should I buy additional glass protection?
Is my nanny covered when driving my vehicle?
Do I qualify for additional discounts?

If you can't answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don't have a local agent, simply complete this short form or you can also visit this page to select a carrier

Are car insurance companies telling the truth?

Car insurance providers like State Farm, Allstate and GEICO consistently run ads on TV and radio. They all have a common claim of big savings if you change your coverage to them. How can each company claim to save you money? It's all in the numbers.

All companies have a preferred profile for the type of customer that earns them a profit. An example of a driver they prefer might be a mature driver, has no prior claims, and drives less than 7,500 miles a year. Any driver that hits that "sweet spot" gets the lowest rates and most likely will save when they switch companies.

Potential customers who don't qualify for the requirements will be quoted a more expensive rate and this can result in the customer not buying. The ads say "customers who switch" not "people who quote" save that much money. This is how insurance companies can confidently advertise the way they do. This emphasizes why drivers should quote coverage with many companies. You cannot predict which insurance companies will provide you with the cheapest rates.

More tips and info about car insurance is available at the South Carolina Department of Insurance website. Visitors are able to view a list of available companies, file complaints about an insurance agent or broker, find disaster information, and learn about insurance regulations.

The best insurance company isn't always the cheapest

When shopping online for car insurance, it's not a good idea to skimp on coverage in order to save money. There have been many situations where consumers will sacrifice liability limits or collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. The proper strategy is to purchase plenty of coverage at the best price while still protecting your assets.

Low-cost car insurance is attainable both online as well as from independent agents in Whitmire, and you need to price shop both to have the best rate selection. Some car insurance companies don't offer you the ability to get quotes online and these smaller companies work with independent agents.