Insider Tricks for Low-Cost Charleston South Carolina Auto Insurance

Perplexed by the wide range of auto insurance company choices in Charleston? You have a lot of company. You have so many options that it can quickly become a ton of work to find the best price.

Consumers should take time to compare prices before your policy renews because rates are rarely the same from one policy term to another. If you had the best price last year you can probably find a lower rate today. Starting now, ignore everything you know about auto insurance because we’re going to show you one of the quickest ways to find lower rates on auto insurance.

Discounts are great for lower rates

Auto insurance companies don’t list every available discount in an easy-to-find place, so we took the time to find both well-publicized and also the lesser-known auto insurance savings.

  • Homeowners Savings – Owning a home in Charleston can save you money because maintaining a house is proof that your finances are in order.
  • Federal Employees – Simply working for the federal government could cut as much as 10% off with a few auto insurance companies.
  • Senior Discount – Mature drivers may be able to get better auto insurance rates.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if it’s offered in school.
  • Drive Safe and Save – Drivers who don’t get into accidents may save up to 50% more than drivers with accidents.

Consumers should know that some of the credits will not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. Just because it seems like it’s possible to get free car insurance, it doesn’t quite work that way.

Charleston Auto Insurance Quote Comparison

All major auto insurance companies allow you to get pricing directly from their websites. Getting online quotes is quite simple as you just type in your coverage preferences into a form. When the form is submitted, their system automatically retrieves credit information and your driving record and provides a quote based on these and other factors.

This makes it a lot easier to compare rates but the process of having to visit each company’s website and repetitively complete many quote forms is monotonous and tiresome. But it’s very important to compare as many rates as possible if you want to find the lowest insurance image

A less time-consuming method to compare auto insurance pricing uses one form to get prices from several companies at one time. This type of form saves time, helps eliminate reptitive entry, and makes quoting online a little more enjoyable. Immediately after you send the form, your coverage is rated and you can select your choice of the pricing results. If the quotes result in lower rates, you can simply submit the application and purchase the new policy. It can be completed in less than 10 minutes and may result in a nice savings.

To find out if lower rates are available, click here and submit the form. If you have your current policy handy, we recommend you input the coverage information as close as possible to your current policy. This way, you’re receiving a price comparison for exact coverage.

You may need specialized coverage

When buying proper insurance coverage for your vehicles, there really is not a single plan that fits everyone. Every insured’s situation is different.

These are some specific questions could help you determine whether your personal situation might need professional guidance.

  • What happens if I owe more than my vehicle is worth?
  • Will I lose any money if I cancel my policy before it expires?
  • Who is covered when they drive my vehicle?
  • Why is insurance for a teen driver so high in Charleston?
  • Why am I required to get a high-risk car insurance policy?
  • Am I covered if I wreck a rental car?
  • How much underlying liability do I need for an umbrella policy?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • When would I need additional glass coverage?
  • What discounts do I qualify for?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form.

Charleston car insurance quote

Cheaper insurance is a realistic goal

As you restructure your insurance plan, it’s a bad idea to buy less coverage just to save a little money. There are too many instances where someone dropped collision coverage only to regret at claim time that it was a big error on their part. Your goal should be to buy enough coverage at a price you can afford, not the least amount of coverage.

Affordable auto insurance is definitely available online as well as from independent agents in Charleston, so you should be comparing quotes from both in order to have the best price selection to choose from. Some auto insurance companies don’t offer you the ability to get quotes online and these small insurance companies work with independent agents.

Insureds change insurance companies for any number of reasons including lack of trust in their agent, high prices, unfair underwriting practices and even policy cancellation. Regardless of your reason, switching auto insurance companies can be easy and end up saving you some money.