Finding affordable car insurance is the dream of practically every driver in South Carolina! And guess what? If you follow the tips in this article your dream just may become a reality!
Let’s start with first things first. The car you drive. Are you aware that some cars cost a lot more to insure than others? If you are in the market for a car it would serve you well to consult with your car insurance agent first and get a list of the cars which cost the least to insure.
Probably the most important determinant of whether or not you’ll find affordable car insurance in South Carolina is your own driving record. If your record is spotless then there is a very good chance that we’ll be able to save you quite a bit of cash each month. However, if you have speeding tickets or other moving violations or if you have a conviction for DUI or DWI then it’s going to be some time before we can find you the very best rates.
However, there are a few things virtually everyone can do that will save them money on car insurance.
Can you garage your car at night? If so, is your car insurance agent aware that you are putting your car in a garage at night? Making your agent aware of this could save you money month after month.
Could you possibly carpool to work? If you don’t drive your car to and from work everyday your insurance will be less every month. If you have recently stopped working for any reason and you are no longer driving back and forth to work at all, inform your agent as this can save you a fair amount of cash every month.
Is it possible for you to cut back on the number of miles you drive each month? Many people are now using public transportation as their “second car” and garaging their regular car as much as possible. If you can cut your driving miles to below 500 every month you may be due for a rather nice Low Mileage Discount on your insurance.
Do you belong to any clubs, groups or organizations which offer group car insurance to their members? You may belong to such a group and not even be aware of it. Even some religious organizations are offering their members discount car insurance. Ask around.
Adding a simple anti-theft device to your vehicle could save you money every month. Ask your agent if there is a discount for buying and using a steering wheel locking device or possibly a simple electronic device that disables your fuel pump unless you key in a special code.
Students under 25 can get a 5% Good Student Discount if they maintain a “B” grade average.
People 55 and older can get a 10% savings if they take and pass a special driver’s refresher course. Not every insurance company offers this discount so ask your agent if you qualify.
Don’t file small, inconsequential claims. The longer you can go without filing a claim against your car insurance company the less you will pay for insurance. Some companies begin handing out rewards in as few as six claim-free months.
What about your deductible? This is a tricky proposition because the higher your deductible the lower your monthly insurance payment, but by the same token the higher your deductible the more money comes out of your pocket or purse anytime you file a claim.
Now it’s time to take the tips you’ve gotten from this article and find a minimum of 3 different websites that make it easy for you to compare the prices of car insurance from a variety of insurance companies. The real trick is to put the exact same information into the form on all 3 websites – in this way you are comparing the same policy on all 3 sites.
The rest is simple. All you need to do now is to choose the lowest price and you’re done! Now you know exactly how to get affordable car insurance in South Carolina and you’ll be saving money month after month, year after year!