Paying Too Much for Car Insurance in Aiken? Here’s How to Save!

Using the web to shop for Aiken car insurance might seem complicated at first if you are a beginner to online price comparisons. But don’t be discouraged because it’s actually quite easy.

It’s smart to do rate comparisons on a regular basis because insurance rates are variable and change quite frequently. Just because you found the best rates six months ago you will most likely find a better rate today. You’ll find quite a bit of inaccurate information about car insurance online, so we’re going to give you some guaranteed methods to put money back in your pocket.

If you have a current car insurance policy or need new coverage, you can use these techniques to find the best rates and still get good coverage. The purpose of this article is to teach you how to get online quotes and some tricks to saving. South Carolina vehicle owners only need to know the proper methods to get comparison rates on the web.

Discounts are basically free money

The cost of insuring your cars can be expensive, buy you may qualify for discounts to reduce the price significantly. Some discounts apply automatically when you get a quote, but a few must be specifically requested prior to getting the savings. If you aren’t receiving every discount available, you are throwing money away.

• Anti-lock Brake Discount – Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.
• Senior Citizens – Mature drivers may receive reduced rates.
• Early Switch Discount – A few companies offer discounts for switching policies prior to your current policy expiration. It’s a savings of about 10%.
• Theft Prevention System – Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
• Paperwork-free – Certain companies will give a small break for buying your policy on their website.
• Discount for Life Insurance – Some companies give a break if you buy a life insurance policy as well.
• New Vehicle Savings – Insuring a new car can be considerably cheaper due to better safety requirements for new cars.
• Drivers Education – Have your child take driver’s ed class in school.

It’s important to note that most of the big mark downs will not be given to the entire cost. Most only reduce the price of certain insurance coverages like medical payments or collision. Just because you may think having all the discounts means you get insurance for free, it just doesn’t work that way. Any amount of discount will reduce the cost of coverage.

For a list of providers offering car insurance discounts in Aiken, click here to view.

Can you really save that much by switching?

South Carolina drivers get pounded daily by advertisements that promise big savings from companies such as Allstate and Progressive. All the ads say the same thing that you’ll save big if you switch your policy.

But how can every company say the same thing?

Different companies have a preferred profile for the type of customer they prefer to insure. A good example of a profitable customer could possibly be over the age of 40, a clean driving record, and has great credit. Any new insured who matches those parameters is entitled to the best price and therefore will save when they switch companies.

Drivers who don’t meet the “perfect” profile will have to pay higher premiums and this can result in the customer not buying. Company advertisements say “customers who switch” not “people who quote” save that kind of money. That’s the way insurance companies can make the claims of big savings.

Because of the profiling, you absolutely need to get a wide range of price quotes. You cannot predict the company that will have the lowest rates.

Additional South Carolina car insurance resources

Additional car insurance information is located on the South Carolina Department of Insurance website through this link. Visitors are able to find out industry alerts, file complaints about an insurance agent or broker, and read enforcement actions against agents and companies.

One last thing

When buying insurance coverage, never buy lower coverage limits just to save a few bucks. Too many times, an insured cut liability coverage limits only to discover later that they should have had better coverage. Your aim should be to find the BEST coverage at an affordable rate.

Insureds change insurance companies for many reasons like an unsatisfactory settlement offer, delays in responding to claim requests, delays in paying claims and being labeled a high risk driver. It doesn’t matter why you want to switch finding a new car insurance company can be pretty painless.

The cheapest car insurance can be sourced both online and with local Aiken insurance agents, and you need to comparison shop both to have the best selection. Some insurance providers do not offer online price quotes and these small insurance companies work with independent agents.