In South Carolina, if you drive a car, you should have car insurance. When a car insurance policy expires or is cancelled anywhere in South Carolina, the state is notified. If a new policy isn't bought within 20 days, the state will cancel the vehicle's registration tags and may suspend the driver's licence of the registered owner of the vehicle. State troopers can even come to your house and take the licence plates off your car in person.
In South Carolina, driving without insurance is just not worth the time and trouble, not to mention the fines and fees to get your licence back.
There's a much better way to do it. Instead of driving without insurance, let's find ways to lower the cost of the insurance you need so much that you can pay for it every month.
Thanks to the internet and the many websites that let you compare car insurance prices from different companies, it is now easy to find low-cost car insurance in South Carolina. But it's not very helpful to just fill out information on one comparison website without a plan for finding the lowest price.
Instead, let's look at specific things you can do before you even go online to lower the cost of your car insurance. So, you can find the cheapest policy to start with, and any extra savings you get from the internet are just icing on the cake.
So, what can you do to make sure your car insurance costs as little as possible?
Finding a garage for your car at night is a simple way to bring down the cost of your insurance.
The best way to keep your insurance rates low is, of course, to have a clean driving record. Getting a ticket for speeding or any other moving violation can make it impossible for you to get the best rate on car insurance. If you have a DUI or DWI on your record, you can say goodbye to low rates for at least three years.
You can save a lot of money by getting what is called a "Low Mileage Discount" if you can drive less than 500 miles per month. Many people do this by taking public transportation and leaving their cars at home as much as possible.
In the same way, if you can carpool to work, you should be able to save a lot each month on your insurance. And if you stop working completely and no longer have to drive to and from work every day, let your agent know. This can save you a lot of money.
If you belong to AAA or have a credit card that covers emergency towing, you can save a few dollars every month by not putting towing on your car insurance.
Your car is worth less and less every year. So, if you lower the amount of your collision and comprehensive insurance to match the decreasing value of your car, you should save money on your car insurance every year.
When the Kelly Blue Book value of your car is zero or very close to it, you can save even more money by cancelling both comprehensive and collision insurance.
Drivers under the age of 25 can get 5% off their monthly bill if they stay in school and keep at least a 3.0 grade average. Drivers who are 55 or older and pass a special refresher course that many, but not all, insurance companies offer may be able to save as much as 10% every month.
Don't make small claims that don't matter. Some insurance companies will lower your rates if you don't make a claim for as little as six months. Other companies make you wait a year before the discounts start, but the point is the same either way.
How much do you have to pay out of pocket? Ask yourself honestly if you can afford to raise your deductible. If you can, your car insurance premium should go down almost immediately. But don't promise to pay a deductible that is higher than you can afford.
This should be enough. Now it's up to you to find 3 sites that compare car insurance prices and carefully fill out the form on each site using what you've learned in this article. The real trick is to fill out the form on three different websites with the same information. This makes sure that you are not only comparing the same policy all three times, but that you are also comparing prices from as many South Carolina insurance companies as possible.
Now it's time to have fun. Now, all you have to do is find the cheapest insurance company and lock in your policy. You've done it. You've done your research and compared low cost car insurance in South Carolina, and you've found the best deal you can get. Happy driving!
