Insider Advice on Saving Money on Rock Hill Car Insurance

Price shopping your Rock Hill car insurance can be difficult for consumers new to comparing rates online. Consumers have so many companies to choose from that it can turn into a real hassle to find the best price in Rock Hill.

It’s smart to take a look at other company’s rates every six months since rates tend to go up over time. Even if you think you had the best price two years ago a different company probably has better rates today. Block out anything you think you know about car insurance because you’re about to find out the easiest way to properly buy coverages while reducing your premium.

Lots of discounts mean lots of savings

Car insurance can cost a lot, but discounts can save money and there are some available that many people don’t even know exist. A few discounts will automatically apply at quote time, but a few must be requested specifically prior to receiving the credit.

  • Club Memberships – Belonging to a professional or civic organization is a good way to get lower rates on your policy.
  • Payment Method – If paying your policy premium upfront rather than paying monthly you could save 5% or more.
  • Paperwork-free – Some insurance companies will give a small break just for signing your application over the internet.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
  • Defensive Driver – Taking part in a course in driver safety can save you 5% or more if your company offers it.

Consumers should know that most of the big mark downs will not be given to the entire policy premium. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, it just doesn’t work that way. But all discounts will help reduce your overall premium however.

To choose companies with discount car insurance rates in South Carolina, follow this link.

Compare Car Insurance Today

All major car insurance companies allow you to get coverage prices online. Getting online quotes is fairly simple as you simply enter your personal and coverage information into a form. After the form is submitted, the company’s rating system automatically orders your driving and credit reports and gives you a price quote.

Online quotes makes comparing rates easy, but the time it takes to visit each company’s website and repetitively type in the same information is repetitive and time-consuming. But it’s absolutely necessary to perform this step if you want to find the lowest possible prices on car insurance.

The easy way to compare ratesRock Hill insurance comparisons

A more efficient way to compare car insurance pricing makes use of a single form that gets prices from a bunch of companies at once. It’s a real time-saver, eliminates form submissions, and makes online price comparison much easier. Once the form is submitted, it is quoted and you can select any of the resulting price quotes.

If the quotes result in lower rates, you can simply submit the application and purchase the new policy. It takes 15 minutes at the most and you will know how your current rates stack up.

If you want to compare pricing, simply click here to open in new window and submit your coverage information. If you have a policy now, it’s recommended you type in the limits and deductibles just like they are on your policy. Using the same limits helps guarantee you will get rate quotes based on similar coverages.

Get Cheaper Rates by Understanding Pricing

An important part of buying insurance is that you know the factors that help determine car insurance rates. When you know what positively or negatively influences your rates empowers consumers to make smart changes that could result in much lower annual insurance costs.

  • Tickets mean higher rates – Whether or not you get tickets has a huge affect on how much you pay. Only having one moving violation can increase rates by as much as thirty percent. Good drivers tend to pay less for car insurance than their less careful counterparts. Drivers with dangerous tickets like DWI, reckless driving or hit and run convictions are required to file a SR-22 with their state DMV in order to prevent a license revocation.
  • Where you live can impact rates – Residing in a small town can be a good thing when it comes to car insurance. Drivers who live in large cities regularly have much more traffic and longer commute times. Fewer drivers means reduced accidents.
  • Better credit scores mean better rates – Credit history is a big factor in calculating your car insurance rates. If your credit score is not that good, you could potentially save money when insuring your by repairing your credit. Drivers with good credit tend to file fewer claims and have better driving records than drivers with lower credit scores.
  • An active claims history can cost you – If you file claims often, you can definitely plan on either higher rates or even cancellation. Auto insurance companies in South Carolina give discounts to drivers who do not file claims often. Car insurance is meant to be used in the event of major claims that would cause financial hardship.
  • With age comes lower rates – Young drivers in South Carolina are statistically proven to be careless and easily distracted when behind the wheel so car insurance rates are higher. Older insureds are more cautious drivers, file fewer claims and tend to be better behind the wheel.
  • Marriage pays dividends – Getting married can actually save you money on your car insurance policy. Marriage is viewed as being more mature than a single person and it’s statistically proven that being married results in fewer claims.
  • Add-on coverages can add up – There are quite a few extra bells and whistles that can waste your money on your car insurance policy. Insurance for vanishing deductibles, accident forgiveness and membership fees are some examples. These coverages may sound good initially, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Higher deductibles cost less – Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, protects your car from damage. Examples of covered claims are colliding with a building, damage from fire, and windstorm damage. The deductibles are the amount of money you are willing to pay before your car insurance pays a claim. The more money you’re willing to pay, the less your company will charge you for insurance.

Situations that might require an agent

When it comes to buying the best car insurance coverage, there really is not a cookie cutter policy. Each situation is unique.

For instance, these questions may help highlight if your insurance needs might need professional guidance.

  • Do I have coverage when using my vehicle for my home business?
  • Do I pay less if my vehicle is kept in my garage?
  • How can I get high-risk coverage after a DUI?
  • How much underlying liability do I need for an umbrella policy?
  • Am I covered when using my vehicle for business?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Should I put collision coverage on all my vehicles?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form.

South Carolina car insurance quote

More effort can pay off

Cheap car insurance is definitely available from both online companies and with local Rock Hill insurance agents, so you should compare both to have the best selection. Some car insurance companies do not offer online quoting and most of the time these small insurance companies sell through independent agents.

Drivers switch companies for any number of reasons including high rates after DUI convictions, unfair underwriting practices, being labeled a high risk driver and delays in paying claims. Regardless of your reason for switching companies, finding a new company can be less work than you think.

You just learned a lot of information how to shop for car insurance online. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. You may even discover the biggest savings come from the least-expected company.

Online resources for education

More information is located on the South Carolina Department of Insurance website located here. Consumers can file complaints about an insurance agent or broker, read consumer alerts, and read enforcement actions against agents and companies.