Almost every driver in South Carolina wishes they could find cheap car insurance. What do you know? If you use the tips in this article, you may be able to make your dream come true.
Let's start with the most important things. How you drive your car. Do you know that some cars are very expensive to insure compared to others? If you want to buy a car, you should talk to your car insurance agent first to find out which cars are the least expensive to insure.
Your driving record is probably the most important factor in figuring out whether or not you can get cheap car insurance in South Carolina. If your record is perfect, there is a good chance that we can save you a lot of money every month. But if you have tickets for speeding or other moving violations, or if you have been convicted of DUI or DWI, it will take us a while to find you the best rates.
But almost everyone can do a few things that will save them money on car insurance.
Can you put your car in a garage at night? If so, does your auto insurance company know that you park your car in a garage at night? If you let your agent know about this, you could save money every month.
Could you maybe share a ride to work? If you don't drive to and from work every day, your monthly insurance will be less. If you just quit your job and no longer drive back and forth to work, tell your agent. This can save you a lot of money every month.
Can you reduce the number of miles you drive each month? Many people now use public transportation as a "second car" and keep their main car in the garage as much as possible. If you can keep the number of miles you drive each month to less than 500, you may be eligible for a nice Low Mileage Discount on your insurance.
Do you belong to any clubs, groups, or organisations that offer their members group car insurance? You might be a part of this group and not even know it. Even some religious groups offer discounts on car insurance to their members. Check around.
You could save money every month by adding a simple anti-theft device to your car. Ask your agent if you can get a discount if you buy and use a steering wheel lock or a simple electronic device that keeps your fuel pump from working unless you type in a special code.
If a student under 25 gets a "B" average, they can get a 5% discount for being a good student.
People who are 55 or older and pass a special driver's refresher course can save 10% on their car insurance. This discount isn't given by every insurance company, so ask your agent if you qualify.
Don't make small claims that don't matter. The longer you go without making a claim on your car insurance, the less you will have to pay for it. Some companies start giving out rewards as soon as six months have passed with no claims.
How much does your deductible cost? This is a tricky situation because the higher your deductible, the lower your monthly insurance payment. However, the higher your deductible also means that when you file a claim, you have to pay more money out of your own pocket or purse.
Now that you've read this article, it's time to use what you've learned to find at least three websites that make it easy to compare the prices of car insurance from different companies. The real trick is to fill out the form on all three sites with the exact same information. This way, you can compare the same policy on all three sites.
Everything else is easy. Now, all you have to do is pick the lowest price, and you're done! Now that you know how to get cheap car insurance in South Carolina, you can save money every month and every year.
