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How To Get The Lowest Rates On Your South Carolina Auto Insurance Plan

September 9, 2013

While some things that can affect your insurance costs in South Carolina are fixed, some can be altered. For example, a higher deductible is one way to lower your monthly premiums more affordable. The advice in this article will guide you in several ways to get the most coverage for your money.

Mileage Matters

Cut back on the number of miles you drive in a year to save some money on the insurance bill. Most insurance providers will lower your premium if you drive less. This makes cutting back on your driving down a wonderful way to save money.  In order to be eligible for this type of discount, it is usually necessary to tally no more than 7,500 miles per year. You might also get a commuter discount if you consistently use public transit to work instead of driving.

Taking public transit when you're heading to work may also lower your premiums. Try riding with co-workers if you can't do that.

Teen Car Insurance

If you're insuring a teenager, check what it would cost to add them to a current policy, in addition to them getting their own.  The best option usually is to not buy your teen a car of their own as adding a teenager onto a family plan is typically much cheaper.

You have many options for insurance beyond South Carolina state minimum requirements if you so choose. You will have a higher premium with these, but your premium may be more.

Know The Types of Coverage

Property damage liability is an important thing to include in your auto insurance policy. This covers damages your vehicle may have caused during an accident. There are only three states that do not have this coverage.

Uninsured motorist protection is a means to protect yourself from drivers who do not having insurance.

Speak with your agent to understand all the various types of coverage you can have on your South Carolina car insurance policy.

Avail Yourself of Every Possible Discount

Ask your auto insurance agent for a comprehensive list of discounts offered by his company.  Take an inventory of all of them, in order to ensure you take advantage of these price savers. You might be surprised at how much you can save by taking advantage of discounts.

The amount you pay as a deductible is the most significant factor in determining how much you will be paying for your policy. Remember that you are responsible for paying this amount if you do get in an accident. You should set up an account to cover this difference in case something happens.

Do not spread your car insurance bill into monthly payments for insurance; do it quarterly. Your auto insurance company may add three to five extra dollars to your premium. This small amount can add to your bill quickly. Adding another bill to your monthly pile can also turn into a hassle. The fewer payments you make, the better.

The most beneficial tip when it comes to auto insurance payments low is to maintain a spotless driving history. A car accident will raise your auto insurance rates quicker than almost anything else. Know your own driving limits, and avoid risks that could cause accidents.  Conversely, whenever these things are removed from your record, the lower your insurance costs. Once tickets and points are eradicated from your driving record, it's wise to do some comparison shopping on auto insurance rates again.

Some carriers even offer discounts for students that get good student discounts.

Last, but not least, be sure to remove any drivers from your insurance as soon as they stop driving your car. If other drives are on your plan, consider removing them in order to save some money on your premiums.

A Word About Claims

If you ever have to file a claim, be sure to provide ample documentation. It may even make sense to keep a camera with you in your vehicle so you'll be prepared should the need arise.

Shop Around!

Insurance companies are all different. If you don't like the first quote you get, check out the rates at some other insurance companies before you make your decision.  And once you do have your quotes in hand, remember: the lowest rates aren't always the best deal.

As previously mentioned, you do have control over some factors that affect your policy costs. You can change all sorts of things about your situation to lower your rates. Educating yourself is the key factor in selecting the right South Carolina auto insurance coverage for you, at the best rate possible.

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