Save Money on Easley South Carolina Auto Insurance Rates in Five Minutes

I can’t think of a single person who cherishes buying auto insurance, particularly when their premiums are through the roof.

Consumers have many auto insurance companies to insure vehicles with, and although it’s a good thing to have a choice, it can be more challenging to compare rates and cut insurance costs.

Free Easley Auto Insurance Quotes

Performing a rate comparison can take hours if you don’t utilize the fastest way to get free quotes. You can waste a few hours (or days) driving to insurance companies in Easley, or you can stay home and use the internet to accomplish the same thing much quicker.

Most car insurance companies participate in a marketplace where insurance shoppers enter their policy data once, and every company provides a quote based on that data. This saves time by eliminating quotation requests for each company.

To compare pricing click here to start a free quote.

The single downside to comparing rates this way is you don’t know exactly which carriers you want to price. So if you prefer to pick specific insurance companies to receive pricing from, we have a page of low cost auto insurance companies in South Carolina. Click here for list of insurance companies in South Carolina.

Whichever method you choose, compare exactly the same coverage information for each price quote. If you use unequal deductibles or liability limits it’s impossible to determine the lowest rate in Easley. Just a small difference in limits could mean much higher rates. And when comparison shopping, having more price comparisons provides better odds of finding the best offered rates.

Be sure to get all your discounts

Insuring your fleet can be pricey, but you can get discounts to help bring down the price. Larger premium reductions will be automatically applied when you quote, but a few need to be requested specifically before you will receive the discount.

  • Driver’s Ed – Cut your cost by having your teen driver complete a driver education course in high school.
  • Safety Course Discount – Taking part in a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Memberships – Participating in a qualifying organization could qualify you for a break on auto insurance.
  • Theft Prevention System – Vehicles with anti-theft systems can help prevent theft and earn discounts up to 10%.
  • Accident Forgiveness – Some insurance companies will allow you to have one accident before raising your premiums if your claims history is clear for a set time period.

Drivers should understand that many deductions do not apply to all coverage premiums. Most only cut individual premiums such as liability and collision coverage. So when the math indicates all those discounts means the company will pay you, you’re out of luck. But any discount will reduce your premiums.South Carolina insurance quotes

For a list of insurers with the best auto insurance discounts in Easley, click here to view.

How your Easley rates are determined

It’s important that you understand some of the elements that help determine your auto insurance rates. Having a good understanding of what influences your rates allows you to make educated decisions that can help you get much lower annual insurance costs.

  • Big city or small town – Living in small towns and rural areas has it’s advantages when buying auto insurance. Urban drivers have congested traffic and longer commutes to work. Less people living in that area means a lower chance of having an accident and also fewer theft and vandalism claims.
  • Lower deductibles cost more – Physical damage insurance, also known as collision and other-than-collision, protects your car from damage. A few examples of covered claims could be a windshield shattered by a rock, damage caused by hail, or theft. The deductibles are the amount of money you are required to spend before a claim is paid by your company. The more expense you have to pay, the lower your rates will be.
  • Clean credit earns discounts – Credit rating is a huge factor in calculating your auto insurance rates. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers who have lower credit scores. So if your credit rating can use some improvement, you could pay less to insure your by improving your rating.
  • One company can mean more discounts – Many auto insurance companies will award you with lower prices to insureds who consolidate policies with them, otherwise known as a multi-policy discount. Even if you’re getting this discount you still need to compare other company rates to make sure you are getting the best deal. You may still find a better deal by insuring with multiple companies.

Don’t I need to talk to an agent?

Some consumers just want to get advice from a local agent and that is OK! The best thing about comparing rates online is you can get the best rates and still have an agent to talk to. Supporting local insurance agencies is important particularly in Easley.

Once you complete this form (opens in new window), your information is sent to insurance agents in Easley who will give you bids for your coverage. There is no reason to leave your computer because quoted prices will be sent to your email. It doesn’t get any easier! You can find the lowest rates and an insurance agent to talk to.

The following is a list of auto insurance companies in Easley that are able to give price quotes.

State Farm Insurance – 838 Powdersville Rd # P, Easley, SC 29642 – (864) 859-9495
Glasby Insurance Inc – 1723 E Main St, Easley, SC 29640 – (864) 859-3414
Heritage Insurance LLC – 4891 Earle E Morris Jr Hwy # E, Easley, SC 29642 – (864) 269-6860
Allstate Insurance – 6335 Calhoun Memorial Hwy # E, Easley, SC 29640 – (864) 859-9113
Bsi Agency – 107 David St, Easley, SC 29640 – (864) 855-4887

Choosing an provider requires more thought than just the premium amount. Agents should be asked these questions:

  • What is the agency’s Better Business Bureau rating?
  • Do the coverages you’re quoting properly cover your vehicle?
  • How long has their agency been open in Easley?
  • Who are their largest clients?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • Are there any discounts that you might be missing?
  • Do they receive special compensation for putting your coverage with one company over another?
  • Can they give you a list of client referrals?

Once you have positive feedback to these questions and a good coverage price, you have narrowed it down to an provider that is a good match to provide auto insurance coverage.

How much car insurance do I need?

When choosing coverage, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance should reflect that For instance, these questions may help highlight whether or not you might need an agent’s assistance.

Auto insurance in Easley SC

  • Do I need to file an SR-22 for a DUI in South Carolina?
  • Am I covered when delivering products for my home-based business?
  • How high should my medical payments coverage be?
  • Are my friends covered when driving my vehicle?
  • Is my custom paint covered by insurance?
  • Do I need PIP (personal injury protection) coverage in South Carolina?
  • Is South Carolina a no-fault state?
  • Does my policy pay for OEM or aftermarket parts?
  • Can I still get insurance after a DUI?
  • Does my medical payments coverage pay my health insurance deductible?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Additional auto insurance information is available on the website for the South Carolina Department of Insurance found here. South Carolina drivers can file complaints about a company, discover disciplinary actions, learn about specific coverages, and view a list of available companies.

A little work can save a LOT of money

While you’re price shopping online, it’s not a good idea to skimp on coverage in order to save money. There have been many cases where an insured dropped uninsured motorist or liability limits and found out when filing a claim that they should have had better coverage. Your strategy should be to buy enough coverage for the lowest price, not the least amount of coverage.

We just presented a lot of ways to reduce auto insurance prices online. The key thing to remember is the more times you quote, the better your chances of lowering your rates. You may even find the most savings is with a small mutual company. Some small companies can often provide lower rates in certain areas as compared to the big name companies such as Progressive or GEICO.

Cheaper auto insurance can be bought from both online companies and also from your neighborhood Easley agents, so compare prices from both to get a complete price analysis. Some auto insurance companies may not provide you the ability to get quotes online and these small, regional companies work with independent agents.