No one in their right mind cherishes buying car insurance, in particular when they are paying too much. Insurance companies such as Progressive, GEICO and Farmers Insurance continually bombard you with ad campaigns and it is challenging if not impossible to ignore the flashy ads and do the work needed to find the best deal.
You should take the time to price shop coverage yearly because insurance rates fluctuate regularly. Despite the fact that you may have had the best deal a few years ago the chances are good that you can find a lower rate today. Block out anything you think you know about car insurance because you’re about to learn the best methods to properly buy coverages while reducing your premium.
Companies don’t necessarily list every discount in a way that’s easy to find, so we break down some of the more common as well as the least known savings tricks you should be using. If you aren’t receiving every discount you deserve, you’re paying more than you need to.
Drivers should understand that most of the big mark downs will not be given to all coverage premiums. The majority will only reduce individual premiums such as comprehensive or collision. Just because it seems like you can get free auto insurance, you won’t be that lucky.
An important part of buying insurance is that you know some of the elements that help determine your car insurance rates. Understanding what influences your rates helps enable you to make changes that may reward you with lower car insurance prices.
The following are some of the factors that factor into rates.
When buying coverage, there really is not a cookie cutter policy. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine if you will benefit from professional help.
If it’s difficult to answer those questions, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.
Some consumers would prefer to buy from a licensed agent and there is nothing wrong with that. Licensed agents can help determine the best coverages and help submit paperwork. One of the best bonuses of comparing insurance prices online is you can get lower rates but also keep your business local.
To help locate an agent, after submitting this form (opens in new window), the coverage information is emailed to participating agents in Anderson who will return price quotes to get your business. You never need to visit any agencies as quotes are delivered directly to your email. Now that’s easy!
Selecting a company shouldn’t rely on just a low price. These questions are important to ask:
When searching for a good Anderson insurance agent, you must know there are a couple different agency structures that you can select. Anderson agents are classified as either independent (non-captive) or captive. Both insure your vehicles, but it’s good to learn the differences since it may influence your agent selection.
These agents can only write with one company such as State Farm, AAA, Farmers Insurance or Allstate. These agents are not able to place coverage with different providers so it’s a take it or leave it situation. They are usually quite knowledgeable on their company’s products which helps them sell insurance even at higher premiums.
The following is a short list of captive agencies in Anderson willing to provide comparison quotes.
Allstate Insurance – 1816 E Greenville St # B – Anderson, SC 29621 – (864) 224-0803
Farm Bureau Insurance – 1308 Whitehall Rd – Anderson, SC 29625 – (864) 224-2548
State Farm Insurance – 2309 N Main St – Anderson, SC 29621 – (864) 224-2880
These agents do not work for one specific company but rather can write business with many different companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, they simply move the coverage in-house and that require little work on your part.
When comparison shopping, it’s recommended you include price quotes from at a minimum one independent agency to ensure the widest selection of prices.
Listed below is a list of independent insurance agents in Anderson that can give you comparison quotes.
Worth Mason Insurance – 408 Pearman Dairy Rd # 14 – Anderson, SC 29625 – (864) 222-2320
Kenneth Rhodes Agency – 2712 N Main St – Anderson, SC 29621 – (864) 225-8865
Jordan and Mc Callum Insurance – 2315 N Main St – Anderson, SC 29621 – (864) 226-7399
Buffamoyer Agency – 1909 N Main St – Anderson, SC 29621 – (864) 224-7521
Direct General Ins Agency – 3300 N Main St – Anderson, SC 29621 – (864) 224-1401
For a full directory of Anderson insurance agents, visit this link.
After receiving positive feedback to all your questions and a good coverage price, it’s possible that you found an auto insurance agent that is a good match to adequately provide car insurance.
Consumers can’t get away from ads for cheaper car insurance from the likes of Progressive, GEICO, Allstate and State Farm. They all say the same thing about savings if you change your coverage to them.
How can each company make the same claim? It’s all in the numbers.
Insurance companies have a certain “appetite” for the right customer they prefer to insure. An example of a preferred risk might be between 30 and 50, owns a home, and has a short commute. Any driver who matches those parameters gets the lowest rates and is almost guaranteed to pay quite a bit less when switching companies.
Potential customers who don’t qualify for the “perfect” profile will have to pay a more expensive rate which usually ends up with business going elsewhere. Company advertisements say “people who switch” not “everyone that quotes” save that kind of money. This is how insurance companies can claim big savings. Because of the profiling, you need to get as many comparisons as possible. It is impossible to predict the company that will fit your personal profile best.
Additional detailed information is located at the South Carolina Department of Insurance website. Visitors are able to view a list of available companies, read enforcement actions against agents and companies, and learn about specific coverages.
When trying to cut insurance costs, make sure you don’t buy less coverage just to save a little money. There have been many cases where an accident victim reduced full coverage and found out when filing a claim they didn’t purchase enough coverage. Your focus should be to find the BEST coverage at an affordable rate.
The cheapest car insurance can be bought on the web as well as from independent agents in Anderson, and you need to price shop both in order to have the best price selection to choose from. Some companies don’t offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.