Consumer Tested Strategies for Getting the Cheapest Spartanburg Car Insurance

Are you a victim of high-priced car insurance? Trust us when we tell you many Spartanburg consumers feel financially strained by their car insurance policy. Insurance companies such as State Farm, GEICO and Farmers Insurance all claim big savings with ad campaigns and it is difficult to avoid their marketing magic and take the time to shop coverage around.

Spartanburg Car Insurance Prices Online

Finding a lower price on insurance can be quick and easy. Drivers just need to invest a little time to compare rate quotes provided by online insurance companies. This is very easy and can be done in a couple of different ways.

The recommended way to compare a lot of rates at once is a comparison rater form like this one (opens in new window). This method prevents you from having to do separate forms to each individual car insurance company. Just one form gets you price quotes from all major companies.

A different way to obtain and compare quotes online requires visiting the website of each company to complete a price quote. For example, let’s say you want rates from State Farm, Allstate and Progressive. To find out each rate you need to take the time to go to each site to enter your coverage information, which is why the first method is quicker. To view a list of companies in Spartanburg, click here.

The least recommended method to compare rates is to spend time driving to insurance agents’ offices. Shopping for car insurance online can eliminate the need for a local agent unless you prefer the trained guidance of a licensed agent. However, consumers can obtain prices from the web but still have the advice of a local agent and we’ll touch on that later.

It doesn’t matter which method you choose, just make sure you use identical coverage information on every quote you get. If you have different deductibles you will not be able to determine the lowest rate in Spartanburg.

Pay less by taking advantage of discounts

Insuring your vehicles can cost a lot, but you can get discounts to help bring down the price. Most are applied at the time of purchase, but less common discounts must be asked for before they will apply. If you aren’t receiving every discount you deserve, you are throwing money away.

  • Student in College – Children who live away from home and don’t have a car can receive lower rates.
  • Own a Home – Simply owning a home can save you money due to the fact that maintaining a home requires personal responsibility.
  • Employee of Federal Government – Simply working for the federal government can save as much as 8% depending on your company.
  • Accident Free – Claim-free drivers pay much less compared to accident-prone drivers.
  • Passive Restraints – Cars that have air bags or automatic seat belts can receive discounts up to 30%.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Defensive Driver – Taking part in a course teaching defensive driving skills could save 5% or more depending on where you live.
  • Payment Discounts – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
  • Low Mileage – Fewer annual miles could qualify for lower rates on the low mileage vehicles.
  • Sign Online – A few companies give back up to $50 just for signing your application over the internet.

It’s important to note that most of the big mark downs will not be given to the entire cost. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like having all the discounts means you get insurance for free, you’re out of luck. But all discounts will reduce your premiums.

To choose insurance companies with the best car insurance discounts in Spartanburg, click this link.

save money image

More information can be found on the website for the South Carolina Department of Insurance found here. South Carolina consumers can download brochures, file complaints about a company, and view a list of available companies.

Other useful links include and this list of agents in Spartanburg, SC.