Lowest Car Insurance Exclusively for North Charleston South Carolina Residents

Overpriced car insurance can overdraw your checking account and make it impossible to make ends meet. Comparison shopping is a smart way to make sure you’re not throwing money away.

Numerous auto insurance companies battle to insure your vehicles, and it can be difficult to compare rates to find the best rate

Consumers should take time to compare rates yearly due to the fact that insurance rates are constantly changing. Just because you had the lowest price six months ago you can probably find a better price now. You can find a lot of wrong information about car insurance on the web, but we’re going to give you the best ways to find affordable car insurance.

If you are paying for car insurance now, you should be able to cut costs considerably using these tips. Choosing the best insurance company for you in North Charleston is not that difficult. Nevertheless, South Carolina vehicle owners can benefit by having an understanding of how companies determine prices because it can help you find the best coverage.

How to Get Cheap Car Insurance in North Charleston

Most companies provide coverage price quotes directly from their websites. The process is quite simple as you just type in the coverage amounts you desire into the quote form. Once you submit the form, their rating system obtains information on your driving record and credit history and generates a price based on these factors. Being able to quote online makes comparing rates easy, but the time required to go to several different sites and complete many quote forms can be a bit repetitive. But it’s absolutely necessary to perform this step if you are searching for the lowest price.

A more efficient way to compare car insurance pricing makes use of a single form that gets prices from a bunch of companies at once. It’s a real time-saver, helps eliminate reptitive entry, and makes quoting online much more efficient. As soon as the form is sent, it is rated with multiple companies and you can pick any or none of the price quotes you receive.

If the quotes result in lower rates, you can simply submit the application and buy the new coverage. It only takes a few minutes and you’ll know if lower rates are available.

To get comparison pricing now, simply click here to open in new window and begin entering your coverage information. If you have a policy now, it’s recommended you duplicate as shown on your current policy. This guarantees you will have a fair comparison using the same coverage and limits.

Ads can be misleading

Companies like Allstate and Progressive constantly bombard you with ads on television and other media. All the ads make the same claim about savings if you switch your policy. How can each company make almost identical claims? This is how they do it.

Different companies have a preferred profile for the right customer they prefer to insure. For example, a preferred risk might be over the age of 40, a clean driving record, and has excellent credit. Any driver that hits that “sweet spot” receives the best rates and therefore will save quite a bit of money when switching.

Potential insureds who don’t measure up to the requirements will have to pay higher premiums which usually ends up with the driver buying from a lower-cost company. The ads state “customers that switch” not “everyone that quotes” save that much money. That’s why insurance companies can make the claims of big savings.

Because of the profiling, it is so important to compare many company’s rates. It’s just too difficult to predict which car insurance company will give you the biggest savings.

More discounts equal less premium

Car insurance is not cheap, but companies offer discounts that can drop the cost substantially. Certain discounts will be triggered automatically when you complete an application, but some must be requested specifically prior to getting the savings.

• Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and qualify for as much as a 10% discount.
• Sign Early and Save – Some companies give discounts for buying a policy before your current policy expires. It can save you around 10%.
• Homeowners Pay Less – Owning a house in North Charleston may trigger a car insurance policy discount because maintaining a house shows financial diligence.
• Sign Online – A few companies may give you up to $50 just for signing your application digitally online.
• Drivers Ed for Students – Have your child successfully complete driver’s ed class in school.
• Military Rewards – Being on active duty in the military may qualify for rate reductions.
• New Vehicle Savings – Insuring a new car is cheaper compared to insuring an older model.
• Memberships – Belonging to a qualifying organization may earn a discount on car insurance.
• Claim Free – Claim-free drivers can earn big discounts when compared to frequent claim filers.

As a disclaimer on discounts, some credits don’t apply to all coverage premiums. Some only reduce individual premiums such as medical payments or collision. Even though it may seem like all those discounts means the company will pay you, you won’t be that lucky. But any discount will cut your premiums.

For a list of insurance companies offering car insurance discounts in North Charleston, click here to view.

It’s not one size fits all

When choosing the best car insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s situation is unique so this has to be addressed. These are some specific questions can help discover if your insurance needs may require specific advice.

• Am I covered if I crash into my own garage door?
• Are all vehicle passengers covered by medical payments coverage?
• Is pleasure use cheaper than using my vehicle to commute?
• Am I covered when driving a rental car?
• Do I need medical payments coverage since I have good health insurance?
• Do I need to file an SR-22 for a DUI in South Carolina?
• Should I sign the liability waiver when renting a car?

If you’re not sure about those questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

Additional car insurance information is available on the website for the South Carolina Department of Insurance through this link. Visitors are able to read enforcement actions against agents and companies, report car insurance fraud, find disaster information, and find out industry alerts.

In Summary

Low-cost car insurance can be bought both online in addition to many North Charleston insurance agents, so compare prices from both in order to have the best chance of saving money. A few companies do not provide online price quotes and these regional insurance providers work with independent agents.

We’ve covered many tips how you can reduce car insurance prices online. The most important thing to understand is the more providers you compare, the higher your chance of finding lower rates. Consumers may even find the lowest premiums are with some of the lesser-known companies. These companies may have significantly lower rates on certain market segments than their larger competitors like State Farm or Progressive.

As you shop your coverage around, make sure you don’t buy poor coverage just to save money. In many instances, someone dropped comprehensive coverage or liability limits and learned later that the savings was not a smart move. Your aim should be to find the BEST coverage for the lowest price while still protecting your assets.