Save Money on Florence Auto Insurance Rates in Five Minutes

Sick and tired of scraping the payment together to buy car insurance? Your situation is no different than many other South Carolina drivers. Insurance companies such as State Farm, Progressive and GEICO all promote huge savings with fancy advertisements and it is difficult to see past the geckos and flying pigs and do the work needed to find the best deal.

It’s important to shop coverage around before your policy renews because insurance rates are variable and change quite frequently. If you had the lowest rates last year there is a good chance you can find better rates now. So just ignore everything you know about auto insurance because we’re going to show you the easiest way to save money, get proper coverage and the best rates.

If you have insurance now or are looking for a new policy, you can follow these tips to shop for the lowest rates while maximizing coverage. Finding affordable coverage in Florence is not rocket science. South Carolina drivers only need an understanding of the most effective way to shop their coverage around online.

Automobile Insurance Quotes in Florence

Most companies allow you to get prices on the web. Obtaining pricing is quite simple as you simply type in the coverages you want as requested by the quote form. After the form is submitted, the system requests your driving record and credit report and gives you a price quote based on these factors. Being able to quote online helps simplify price comparisons, but the work required to visit several different sites and complete many quote forms can be a bit tiresome and repetitive. Unfortunately, it is important to get many rate quotes if you are searching for lower prices.

The easy way to compare rates

A more efficient way to lower your rates makes use of a single form to return rates from several companies at one time. It’s a real time-saver, helps eliminate reptitive entry, and makes online quotes a little more enjoyable. Immediately after you send the form, it is quoted and you are able to buy your choice of the resulting price quotes.

If a lower price is quoted, you simply finish the application and buy the new coverage. The whole process just takes a couple of minutes and you will find out if you’re overpaying now.

To get comparison pricing now, click here to open in a new tab and complete the simple form. If you currently have coverage, we recommend you duplicate deductibles and limits exactly as they are listed on your policy. This makes sure you are getting an apples-to-apples comparison for exact coverage.

Are auto insurance companies telling the truth?

South Carolina consumers get pounded daily by advertisements that promise big savings from companies such as Progressive, GEICO, Allstate and State Farm. All the companies say the same thing about savings if you switch your policy.

How can each company make almost identical claims? This is how they do it.

All the different companies are able to cherry pick for the type of driver they prefer to insure. A good example of a desirable insured could be over the age of 40, has no driving citations, and has a high credit rating. A customer who matches those parameters will get the preferred rates and most likely will save quite a bit of money when switching.

Consumers who don’t meet this ideal profile will be quoted higher premiums which usually ends up with business going elsewhere. Company advertisements say “drivers who switch” not “everyone that quotes” save money. That is how insurance companies can confidently make those claims.

This emphasizes why you absolutely need to get as many quotes as possible. It’s just too difficult to predict which company will provide you with the cheapest rates.<img class="alignright" style="padding-top:15px" src="" alt="Florence SC car insurance prices” />

Take advantage of discounts

Insuring your fleet can be pricey, but discounts can save money and there are some available that you may not know about. Certain discounts will be triggered automatically at the time of purchase, but some must be manually applied before you will receive the discount. If you’re not getting every credit available, you are paying more than you should be.

  • Defensive Driving Course – Taking a course in driver safety could cut 5% off your bill if your company offers it.
  • No Accidents – Drivers who don’t have accidents pay much less as compared to drivers who are more careless.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts can save up to 15% off your medical payments premium.
  • Safe Driver Discount – Drivers who avoid accidents can pay as much as 50% less than drivers with accidents.
  • Good Student Discount – A discount for being a good student can earn a discount of 20% or more. The good student discount can last until age 25.
  • Student in College – Children living away from home attending college and do not have a car can be insured at a reduced rate.
  • Passive Restraints and Air Bags – Cars that have air bags or automatic seat belts can qualify for discounts up to 30%.
  • Military Discounts – Being on active duty in the military can result in better rates.

A little note about advertised discounts, many deductions do not apply the the whole policy. Some only apply to specific coverage prices like collision or personal injury protection. So even though they make it sound like all those discounts means the company will pay you, you won’t be that lucky. Any qualifying discounts will reduce your premiums.

To see a list of insurance companies who offer auto insurance discounts in Florence, follow this link.

What happened to insurance agents?

A small number of people prefer to get advice from a local agent and that is just fine! Licensed agents are trained to spot inefficiencies and give you someone to call. One of the best bonuses of comparing insurance prices online is that you can obtain better rates and still have an agent to talk to. And supporting local insurance agencies is especially important in Florence.

To find an agent, once you fill out this simple form, your information is transmitted to insurance agents in Florence who will compete to get your business. There is no reason to leave your computer due to the fact that quote results will go to the email address you provide. How’s that for easy!

Two types of car insurance agents

When researching a local agent, there are a couple of types of insurance agents to choose from. Insurance agencies in Florence are categorized either independent (non-captive) or captive. Both types can properly insure your vehicles, but it’s important to know the differences since it can impact buying decisions.

Independent Agencies or Brokers

Independent agencies do not work for one specific company so they have the ability to put coverage with any number of different companies and potentially find a lower price. To move your coverage to a new company, the agent simply finds a different carrier and you don’t have to find a new agent. When shopping rates, you should always get quotes from at a minimum one independent agency for the best price selection.

Listed below is a short list of independent insurance agents in Florence that are able to give price quote information.

Cunha Agency – 505 N Coit St – Florence, SC 29501 – (843) 669-8846
Palmetto Auto Insurance – 200 W Evans St – Florence, SC 29501 – (843) 679-9939
Billy Hoylen Insurance – 305 2nd Loop Rd – Florence, SC 29505 – (843) 665-2196
Direct General Ins Agency – 1811 S Irby St – Florence, SC 29505 – (843) 629-8841
Jerry Shealy Agency Inc – 657 S Coit St – Florence, SC 29501 – (843) 667-8551

Captive Insurance Agents

Captive agencies have only one company to place business with and some examples include State Farm, Allstate and AAA. These agents are unable to compare other company’s rates so they have to upsell other benefits. Captive agencies are usually quite knowledgeable on the products they sell which helps them compete with independent agents.

Below is a list of captive agencies in Florence who can help you get comparison quotes.

Allstate Insurance – 102 Sebrell St – Florence, SC 29505 – (843) 664-0033
State Farm Insurance – 808 W Evans St – Florence, SC 29501 – (843) 662-2531
Farm Bureau Insurance – 102 E Redbud Ln – Florence, SC 29505 – (843) 669-3173

To view a complete directory of captive agents in Florence, simply jump to this page.

insurance quote Florence

Picking an insurance agency needs to be determined by more than just the price. Some important questions to ask are:

  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • How long have they worked with personal auto insurance coverage?
  • If you are a high risk driver, do they have special markets for your coverage?
  • How long has their agency been in business in Florence?
  • Does the agency provide any after hours assistance?

Upon getting satisfactory answers to these questions and a low price estimate, you may have just found an auto insurance agent that is a good match to properly service your auto insurance policy.

Situations that might require an agent

When choosing adequate coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s needs are different so this has to be addressed. For example, these questions might help in determining if your situation might need professional guidance.

  • What if I don’t agree with a claim settlement offer?
  • Do I need to file an SR-22 for a DUI in South Carolina?
  • Why am I required to buy high-risk coverage?
  • Is my babysitter covered when using my vehicle?
  • Are rental cars covered under my policy?
  • Does my policy cover my teen driver if they drive my company car?
  • How much liability coverage do I need in South Carolina?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Much more information about auto insurance in South Carolina is available on the website for the South Carolina Department of Insurance. Click here for link. Visitors are able to learn about insurance regulations, get help finding coverage, view a list of available companies, and download brochures.

More related Florence auto insurance information:

What is YOUR best insurance company?

Lower-priced auto insurance can be purchased online and also from your neighborhood Florence agents, and you need to comparison shop both to get a complete price analysis. Some auto insurance companies may not provide you the ability to get quotes online and these smaller companies work with independent agents.

We’ve covered quite a bit of information on how to compare auto insurance prices online. The key concept to understand is the more quotes you get, the better chance you’ll have of finding lower rates. Consumers could even find that the best price on auto insurance is with a company that doesn’t do a lot of advertising. These smaller insurers may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm or Progressive.

When shopping online for auto insurance, never skimp on critical coverages to save a buck or two. In too many instances, an accident victim reduced uninsured motorist or liability limits only to discover later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to purchase plenty of coverage at a price you can afford while still protecting your assets.