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.
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.
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="https://www.findnewcarinsurance.com/wp-content/uploads/ci175-101.jpg" alt="Florence SC car insurance prices” />
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.
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.
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!
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 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 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.
Picking an insurance agency needs to be determined by more than just the price. Some important questions to ask are:
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.
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.
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:
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.