Proven Techniques for Comparing the Cheapest Goose Creek, SC Car Insurance

Have you had enough of trying to scrape together enough money to pay your car insurance bill each month? You’re in the same situation as many other South Carolina consumers. With so many choices, it can be diffult for consumers to find the best company.

It’s a great practice to shop coverage around at least once a year since rates are usually higher with each renewal. Just because you found the lowest rates a few years ago the chances are good that you can find a lower rate today. There is a lot of bad advice regarding car insurance on the internet, so I’m going to show you the easiest ways to find cheap car insurance.

Finding the best rates in Goose Creek is not rocket science. If you have a current car insurance policy or need a new policy, you can follow these tips to cut your premiums and possibly find even better coverage. South Carolina drivers just need to understand the best way to compare price quotes online.

Get Cheaper Rates by Understanding Pricing

It’s important that you understand the different types of things that help determine car insurance rates. Understanding what impacts premium levels empowers consumers to make smart changes that will entitle you to big savings.

  • Rates may be lower depending on your job – Did you know your occupation can influence how much you pay for car insurance? Jobs such as real estate brokers, architects and financial analysts tend to pay higher average rates in part from high stress and long work days. Conversely, professions such as farmers, engineers and homemakers have the lowest average rates.
  • Never go without insurance – Driving without insurance can get your license suspended and your next policy will cost more because you let your coverage have a gap. Not only will you pay more, failure to provide proof of insurance will get you a revoked license or a big fine.You may have to prove you have insurance by filing a SR-22 with the South Carolina motor vehicle department to get your license reinstated.
  • Better credit means lower rates – Your credit score is a big factor in calculating your car insurance rates. If your credit is lower than you’d like, you could save money insuring your by improving your rating. Drivers who have good credit tend to be better drivers and file fewer claims than drivers with poor credit.
  • Drive less and save money – Driving more miles in a year’s time the higher your rate. Most insurance companies apply a rate based on their usage. Cars used primarily for pleasure use qualify for better rates as compared to vehicles used primarily for driving to work. Double check that your car insurance coverage properly reflects the proper vehicle usage.
  • Women pay lower rates – Statistics show that women are safer drivers than men. That doesn’t necessarily mean that women are better drivers. Women and men tend to get into accidents in similar numbers, but men cause more damage. Men also have more aggressive citations such as DWI and reckless driving. Youthful male drivers are several times more likely to be in an accident and therefore are the most expensive to insure.

Free Quotes for Car Insurance in Goose Creek

Getting a cheaper price on insurance is a fairly straight forward process. All you need to do is spend a few minutes on the computer to compare quotes provided by online insurance companies. This can be done in several different ways.

  1. One of the best ways to find low rates is to use a rate comparison form click to view form in new window. This method prevents you from having to do boring form submissions to each individual car insurance company. Completing one form gets rate comparisons from car insurance companies with the best prices.
  2. A more difficult way to get quotes online consists of visiting each company website and fill out their own quote form. For example, let’s say you want to compare rates from State Farm, Allstate and GEICO. To find out each rate you need to visit each site and enter your information, which is why the first method is quicker.

    To view a list of companies in Goose Creek, click here.

  3. The least recommended method of comparing rate quotes is driving to different Goose Creek agent offices. Buying insurance online has reduced the need for local agents unless you require the professional guidance only provided by licensed Goose Creek agents. It is possible to find lower rates online but still have the advice of a local agent and we’ll touch on that later.

It’s up to you how you get prices quotes, just double check that you are using the exact same coverage limits and deductibles on every quote. If you have different deductibles you can’t possibly truly determine the lowest rate in Goose Creek.

Take advantage of discounts

Car insurance companies do not list all their discounts in a way that’s easy to find, so we break down both the well known as well as the least known savings tricks you should be using. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • Own a Home – Owning a house in Goose Creek can save you money because maintaining a house demonstrates responsibility.
  • Student Driver Training – Require your teen driver to enroll in driver’s education if it’s offered in school.
  • Sign Online – Some insurance companies may give you up to $50 for buying your policy digitally online.
  • No Accidents – Drivers who don’t have accidents pay much less compared to bad drivers.
  • Discount for Life Insurance – Select insurance companies reward you with a discount if you purchase life insurance from them.
  • Defensive Driver – Completing a course in driver safety could cut 5% off your bill depending on where you live.

As a disclaimer on discounts, some credits don’t apply to the entire cost. Most cut the cost of specific coverages such as comp or med pay. So even though it sounds like all the discounts add up to a free policy, companies don’t profit that way.

For a list of companies offering car insurance discounts in Goose Creek, click this link.

But buying car insurance online seems impersonal

A small number of people prefer to buy from a licensed agent and that is a personal choice. Good agents can help determine the best coverages and help in the event of a claim. One of the best bonuses of comparing insurance prices online is the fact that you can find the best rates and still choose a local agent.

After completing this simple form, your information is transmitted to insurance agents in Goose Creek who will give you bids for your business. There is no reason to even leave your home as quotes are delivered immediately to your email address. How cool is that?!

Selecting an insurance company should depend on more than just the bottom line cost. Some important questions to ask are:

  • Are they able to influence company decisions when a claim is filed?
  • Who is covered by the car insurance policy?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • Are they properly licensed to sell insurance in South Carolina?
  • How long has their agency been open in Goose Creek?
  • Are claim adjusters local or do you have to take your car somewhere else?
  • Is the agency involved in supporting local community causes?
  • Are they full-time agents?

Below are Goose Creek car insurance companies that may be willing to give price quotes.

Brown & Brown Insurance – 113 Etiwan Dr, Goose Creek, SC 29445 – (843) 797-1774
Allstate Insurance – 111 Saint James Ave # C, Goose Creek, SC 29445 – (843) 553-6775
Farm Bureau Insurance – 215 Saint James Ave, Goose Creek, SC 29445 – (843) 824-8000
Eckert Insurance Agency – 108 Central Ave # 4, Goose Creek, SC 29445 – (843) 553-8643
Palmetto Insurance – 118 Spring Hall Dr, Goose Creek, SC 29445 – (843) 553-5665
State Farm Insurance – 429 Redbank Rd, Goose Creek, SC 29445 – (843) 797-7520

compare rates in Goose Creek SC

After receiving positive feedback to these questions and an affordable coverage quote, you may have just found an provider that can provide car insurance coverage.

More detailed South Carolina car insurance information is located at the South Carolina Department of Insurance website. South Carolina drivers can read consumer alerts, find out industry alerts, and download brochures.

Other useful links include Auto Insurance 101 and this page where you can research Goose Creek insurance agents.

In Summary

As you go through the steps to switch your coverage, do not reduce coverage to reduce premium. There have been many situations where an accident victim reduced collision coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy a smart amount of coverage at a price you can afford while still protecting your assets.

We just presented a lot of ways to reduce car insurance prices online. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. Drivers may discover the best price on car insurance is with a company that doesn’t do a lot of advertising. They may only write in your state and offer lower rates than the large multi-state companies such as Progressive and GEICO.