Saving money on Sumter auto insurance is always hard for beginners to shopping for insurance online. Consumers have so many options that it can be a challenge to find lower rates in Sumter.
Consumers should take time to compare prices at least once a year since rates tend to go up over time. Despite the fact that you may have had the best deal six months ago there may be better deals available now. So ignore everything you know about auto insurance because you’re going to learn how to use online quotes to lower your annual insurance bill.
Which Auto Insurance is Cheapest in Sumter?
Getting a lower price on insurance is a fairly straight forward process. You just need to spend a few minutes getting comparison quotes online from several insurance companies. This can be accomplished in a couple of different ways.
- The most efficient way consumers can make multiple comparisons is to use a rate comparison form like this one (opens in new window). This form saves time by eliminating boring form submissions to each individual auto insurance company. Filling out one form will return price quotes direct from many companies. Recommended for those who want to invest the least amount of time.
- A slightly less efficient method to get comparison quotes is to manually visit each individual company website and request a quote. For example, let’s assume you want rates from USAA, GEICO and Farmers. To get rate quotes you would need to spend time on each company’s site and enter your information, which is why the first method is quicker. To view a list of companies in Sumter, click here.
It’s up to you how you get prices quotes, just make absolute certain that you use identical deductibles and coverage limits for each comparison quote. If you use different limits and deductibles on each one then you won’t be able to determine which rate is truly the best in Sumter.
Understand what determines the rate you pay
It’s important that you understand the rating factors that come into play when calculating the price you pay for auto insurance. Knowing what controls the rates you pay empowers consumers to make smart changes that could result in better auto insurance rates.
- Do you need those extra coverages? – There are a lot of additional coverages you can purchase when buying auto insurance. Insurance for rental car reimbursement, better glass coverage and additional equipment coverage may be costing you every month. These may sound like a good investment when you first buy your policy, but now you might not need them so eliminate the coverages to reduce your premium.
- Don’t skimp on liability – Your policy’s liability coverage is the protection if ever a jury decides you are liable for damages caused by your negligence. It will provide legal defense which can cost thousands of dollars. This coverage is very inexpensive as compared to coverage for physical damage, so do not cut corners here.
- High crash test scores lower rates – Vehicles with high crash test scores can get you lower premiums. The safest vehicles protect occupants better and any reduction in injury severity translates into savings for insurance companies and thus lower rates.
- Mature drivers pay less – Older insureds are viewed as being more responsible, statistically cause fewer accidents and tend to be better behind the wheel. Young drivers are known to be more careless when behind the wheel and because of this, their auto insurance rates are much higher.
- Clean credit earns discounts – A driver’s credit rating is a large factor in determining your rates. People with high credit scores tend to be more responsible as compared to drivers with lower credit ratings. If your credit can use some improvement, you could pay less to insure your by improving your rating.
- What type of vehicle do you drive? – The type of car you are insuring makes a huge difference in how high your rates are. Low performance passenger cars receive the most favorable rates, but the final cost of insurance is determined by many other factors.
- Never let your coverage lapse – Driving your car without having proper coverage is illegal and you will pay a penalty because you let your coverage lapse. Not only will rates go up, but not being able to provide proof of insurance can result in a steep fine or even jail time.
- Theft deterrents lower rates – Owning a car with an alarm system can help lower your rates. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent car theft.
Be sure to get all your discounts
The cost of insuring your cars can be expensive, but companies offer discounts to reduce the price significantly. Most are applied when you quote, but some may not be applied and must be manually applied before being credited. If they aren’t giving you every credit you qualify for, you are throwing money away.
- Anti-theft Discount – Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
- Low Mileage – Driving fewer miles could qualify for better rates on cars that stay parked.
- Federal Employees – Simply working for the federal government can save as much as 8% with select insurance companies.
- 55 and Retired – Older drivers may qualify for reduced rates.
- Discount for New Cars – Adding a new car to your policy can cost up to 25% less since new cars are generally safer.
- Accident Waiver – A handful of insurance companies allow you one accident before raising your premiums so long as you haven’t had any claims for a set time period.
- Driver Safety – Successfully completing a driver safety course can save you 5% or more and easily recoup the cost of the course.
It’s important to note that many deductions do not apply to the entire cost. Some only reduce the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears all the discounts add up to a free policy, companies wouldn’t make money that way. Any amount of discount will bring down your premiums.
To choose companies offering auto insurance discounts in South Carolina, click here.
How do I know if I need professional advice?
When choosing coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different.
For example, these questions can aid in determining whether you will benefit from professional help.
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- How do I file an SR-22 for a DUI in South Carolina?
- Does my insurance cover damage caused when ticketed for reckless driving?
- What happens if I owe more than my vehicle is worth?
- When would I need additional glass coverage?
- Which companies will insure high-risk drivers?
If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and you can get the answers you need.
Low-cost auto insurance can be purchased online in addition to many Sumter insurance agents, so you should be comparing quotes from both to get a complete price analysis. A few companies do not provide online quoting and most of the time these smaller companies sell through independent agents.
While you’re price shopping online, make sure you don’t skimp on coverage in order to save money. In many cases, someone sacrificed liability coverage limits only to regret they didn’t purchase enough coverage. Your aim should be to purchase a proper amount of coverage at the best price.
Drivers change insurance companies for a variety of reasons including an unsatisfactory settlement offer, delays in paying claims, delays in responding to claim requests and unfair underwriting practices. No matter why you want to switch, choosing a new company is not as hard as you think.
Online resources for education
Much more information about auto insurance in South Carolina is located on the South Carolina Department of Insurance website. Click here for link. South Carolina drivers can file complaints about a company, download brochures, find a variety of consumer forms, and get help finding coverage.
Other informative sites include this page for auto insurance in South Carolina and this resource to find Sumter, SC insurance agents.