Williston Auto Insurance For Less Than You're Paying Now

Saving money on Williston auto insurance is challenging for beginners to shopping for insurance online. Consumers have so many companies to choose from that it can quickly become a big hassle to find the best price in Williston.

It's important to shop coverage around once or twice a year since insurance rates are constantly changing. If you had the lowest price two years ago the chances are good that you can find a lower rate today. You can find a lot of misleading information regarding auto insurance online, so I'm going to show you some great ways to save money.

This information will instruct you on the best way to quote coverages and some tips to save money. If you currently have a car insurance policy, you will be able to cut costs considerably using these methods. Although South Carolina vehicle owners do need to know the way insurance companies market on the web because it can help you find the best coverage.

Save big with these discounts

Insuring your vehicles can cost a lot, buy you may qualify for discounts that can drop the cost substantially. Larger premium reductions will be automatically applied when you get a quote, but a few must be specially asked for before you will receive the discount.

  • Homeowners Pay Less - Owning a house in Williston can save you money because of the fact that having a home shows financial diligence.
  • Driver's Ed - Have your child complete a driver education course in high school.
  • Employee of Federal Government - Being employed by or retired from a federal job could cut as much as 10% off with select insurance companies.
  • Theft Prevention Discount - Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Lower Rates for Military - Being deployed with a military unit can result in better rates.
  • Life Insurance Discount - Companies who offer life insurance give a break if you buy life insurance.
  • One Accident Forgiven - Some insurance companies allow you one accident before raising your premiums as long as you don't have any claims for a set time period.

A little note about advertised discounts, some credits don't apply to the entire cost. Some only apply to specific coverage prices like liability, collision or medical payments. So despite the fact that it appears adding up those discounts means a free policy, you won't be that lucky. Any amount of discount will help reduce your overall premium however.

To see a list of companies with the best auto insurance discounts in South Carolina, click here.

Comprehensive Auto Insurance Comparison in Williston

There are several ways of comparing rate quotes and find the best price. The best method to find competitive insurance rates is to perform an online rate comparison. This can be done in a couple of different ways.

  • The best way to find low rates is to use a rate comparison form click to view form in new window. This type of form prevents you from having to do multiple quote forms for each company you want a rate for. Taking the time to complete one form gets you coverage quotes from multiple low-cost companies. This is by far the quickest method.
  • A less efficient way to get quotes online consists of going to each individual company website to request a price quote. For sake of this example, we'll assume you want rates from , and . To get each rate you have to spend time on each company's site to enter your coverage information, which is why the first method is quicker. To view a list of companies in Williston, click here.

Whichever method you choose, double check that you are using apples-to-apples coverages for each price quote. If each company quotes different limits and deductibles on each one you can't possibly truly determine the lowest rate in Williston. Slightly different coverages may result in large price differences. It's important to know that comparing more company's prices provides better odds of finding lower pricing.

Tips to Get Lower Williston Rates

An important part of buying insurance is that you know the factors that come into play when calculating auto insurance rates. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

The list below includes a partial list of the pieces used by your company to calculate rates.

  • Having a spouse can save you money - Having a wife or husband actually saves money on auto insurance. It translates into being more responsible and statistics show drivers who are married are more cautious.
  • Claim-free discounts can add up - Car insurance companies in South Carolina generally give discounts to insureds who do not file claims often. If you tend to file frequent claims, you can pretty much guarantee higher rates. Your insurance policy is intended to be relied upon for major claims that would cause financial hardship.
  • Multi-policy discounts can save money - The majority of insurance companies will give a discount to people who carry more than one policy, otherwise known as a multi-policy discount. Even if you're getting this discount it's still a good idea to compare rates to verify if the discount is saving money. Consumers may find better rates by insuring with multiple companies.
  • Choose a safe vehicle and save - Vehicles with high crash test scores get lower rates. These vehicles protect occupants better and better occupant protection translates into fewer and smaller insurance claims passed on to you as lower rates.
  • Please use or commuting - The more you drive every year the more you will pay for auto insurance. Almost all companies price each vehicle's coverage based upon how you use the vehicle. Cars used primarily for pleasure use receive lower rates than those used for commuting. Double check that your auto insurance policy properly reflects the correct driver usage, because improper ratings can cost you money.
  • Men fork out a little more - The statistics show women tend to be less risk to insure than men. However, don't assume that women are BETTER drivers than men. Both sexes tend to get into accidents in similar numbers, but the males cause more damage and cost insurance companies more money. They also get more serious tickets like reckless driving and DUI.
  • Do you need the policy add-ons? - There are a lot of extra bells and whistles that you can buy if you aren't careful. Things like roadside assistance, towing coverage and additional equipment coverage are some examples. These may sound like a good investment initially, but now you might not need them so remove them from your policy.

Auto insurance ads bend the truth

Auto insurance companies such as State Farm, GEICO and Progressive regularly use ads on TV and radio. They all seem to have a common claim about savings if you move your coverage to them. But how can every company say the same thing? It's all in the numbers.

Insurance companies can use profiling for the type of customer that is profitable for them. For instance, a desirable insured might be profiled as a mature driver, has no tickets, and chooses high deductibles. A propective insured that hits that "sweet spot" will qualify for the lowest rates and most likely will save a lot of money.

Drivers who fall outside this ideal profile will have to pay higher premiums and this can result in business not being written. The ad wording is "customers who switch" not "people who quote" save that much money. That's why companies can truthfully state the savings.

Because of the profiling, drivers must compare many company's rates. It's not possible to predict the company that will give you the biggest savings.

Shop smart and save

The cheapest auto insurance is definitely available on the web as well as from independent agents in Williston, and you need to price shop both to have the best chance of lowering rates. Some insurance companies don't offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

Drivers who switch companies do it for a variety of reasons including an unsatisfactory settlement offer, extreme rates for teen drivers, policy non-renewal or delays in responding to claim requests. Whatever your reason, finding a new auto insurance company is actually quite simple.

When buying insurance coverage, do not reduce coverage to reduce premium. In many cases, an insured dropped collision coverage and learned later that their decision to reduce coverage ended up costing them more. Your aim should be to get the best coverage possible at the best price.

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More South Carolina auto insurance information

Additional information is located on the South Carolina Department of Insurance website found here. South Carolina drivers can get help finding coverage, download brochures, and read consumer alerts.

Additional helpful sites include this page for South Carolina auto insurance and this page for help finding agents in Williston, SC.