Find the Secrets to Paying Less for Rock Hill Car Insurance

Buying low-cost Rock Hill car insurance on the web may be impossible for consumers new to comparing rates online. With so many choices of online companies available, how can Rock Hill drivers have a chance to compare the different rates to find the lowest price?

Finding the best rates in Rock Hill is not that difficult. If you currently have a car insurance policy, you will be able to save some money using these methods. South Carolina vehicle owners just need to understand the proper methods to get comparison quotes over the internet.

Save big with these discounts

Companies don’t necessarily list every discount in a way that’s easy to find, so we took the time to find both the well known and also the lesser-known savings tricks you should be using. If you aren’t receiving every discount you qualify for, you are throwing money away.

• Multiple Policy Discount – When you combine your home and auto insurance with one insurance company you could get a discount of up to 20% off your total premium.
• Resident Student – Any of your kids living away from home attending college and don’t have a car may be able to be covered for less.
• Multi-car Discount – Having more than one vehicle with the same company could earn a price break for each car.
• Theft Prevention System – Vehicles with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
• Seat Belts Save – Requiring all passengers to use their safety belts could save 15% off your medical payments premium.
• Payment Method – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.
• Life Insurance – Larger companies have a break if you buy life insurance.
• Military Rewards – Being deployed with a military unit may qualify for rate reductions.
• Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates than drivers with accident claims.
• Own a Home – Simply owning a home can save you money because maintaining a house demonstrates responsibility.

A little note about advertised discounts, many deductions do not apply to your bottom line cost. Some only reduce individual premiums such as physical damage coverage or medical payments. So even though it sounds like it’s possible to get free car insurance, car insurance companies aren’t that generous.

To choose insurance companies who offer car insurance discounts in South Carolina, click here.

Do I need a local agent?

A small number of people would prefer to talk to a local agent and that is OK! Agents can help determine the best coverages and help in the event of a claim. The best thing about getting online price quotes is that you can obtain the best rates and still choose a local agent.

To find an agent, once you fill out this form (opens in new window), the coverage information is immediately sent to insurance agents in Rock Hill who will compete for your business. You never need to visit any agencies since price quotes are sent immediately to your email address. It doesn’t get any easier!

Picking an insurer shouldn’t rely on just the premium amount. Any agent should have no problem answering these questions:

• How are claims handled?
• If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
• What insurance companies do they recommend if they are an independent agent?
• Do they carry Errors and Omissions coverage?
• Are claims handled at the agent’s location?
• How much will you save each year by using a higher deductible?
• Do they make recommendations based only on price?
• Will your rates increase after a single accident?

Not all insurance agencies are the same

When researching a reliable agent, you need to know there are two types of insurance agents from which to choose. Insurance agencies in Rock Hill are either captive or independent. Either one can write coverage properly, but it’s important to know the differences since it can impact the type of agent you choose

Captive Agents

Captive insurance agents are contracted to one company and some examples include State Farm, AAA and Liberty Mutual. These agents are unable to provide prices from multiple companies so they have to upsell other benefits. Captives are usually quite knowledgeable on their products and sales techniques which helps them compete with independent agents. Consumers often purchase coverage from captives mostly because of the brand legacy and the convenience of having all coverages with one company.

Listed below is a short list of captive insurance agents in Rock Hill willing to provide rate quotes.

• Allstate Insurance – 1676 Celanese Rd – Rock Hill, SC 29732 – (803) 329-1600
• State Farm Insurance – 1722 Celanese Rd – Rock Hill, SC 29732 – (803) 328-6788
• Farm Bureau Insurance – 598 N Anderson Rd – Rock Hill, SC 29730 – (803) 327-1187

Independent Agents (or Brokers)

These agents are not employed by any specific company so they can insure your vehicles with multiple insurance companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, the agent simply finds a different carrier without you having to go to a different agency. When comparing rates, it’s recommended you include several independent insurance agents to ensure the widest selection of prices. They also have the ability to place coverage with lesser-known insurance companies which can save you money.

Shown below are Rock Hill independent insurance agents willing to provide rate quotes.

• Angel Agency – 1016 Mount Gallant Rd – Rock Hill, SC 29732 – (803) 328-9222
• Advantage Insurance – 454 S Anderson Rd # 133 – Rock Hill, SC 29730 – (803) 980-5118
• Direct General Ins Agency – 2397 Cherry Rd – Rock Hill, SC 29732 – (803) 980-6108
• Edith Estes Agency – 209 E Black St – Rock Hill, SC 29730 – (803) 328-0145
• Enterprise Insurance Svc – 1315 Cherry Rd – Rock Hill, SC 29732 – (803) 324-7722

For a complete listing of Rock Hill insurance agents, go to this page.

Upon receiving acceptable answers to any questions you have and locked in a price quote, you may have just found an insurance agent that will properly service your car insurance policy.

Additional South Carolina consumer information

More detailed South Carolina car insurance information is available at the South Carolina Department of Insurance website. Consumers can find a variety of consumer forms, file complaints about a company, file complaints about an insurance agent or broker, and read state legal mandates and laws.

A tidy conclusion

As you restructure your insurance plan, it’s not a good idea to buy less coverage just to save a little money. There have been many cases where someone dropped collision coverage and learned later that it was a big error on their part. Your goal should be to buy the best coverage you can find at an affordable rate while still protecting your assets.

Low-cost car insurance can be sourced on the web and with local Rock Hill insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance companies do not offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

We just covered quite a bit of information on how to get a better price on car insurance. The key concept to understand is the more you quote, the better chance you’ll have of finding lower rates. Drivers may discover the lowest premiums are with some of the smallest insurance companies.