Having to pay for pricey insurance in Charleston can dwindle your savings account and make it tough to pay other bills. Doing a rate analysis is a smart way to ensure you are getting the best deal.

Insurance rates Chevy Cruze in CharlestonA recent study showed that about 70% of customers kept buying from the same company for at least the last four years, and nearly the majority have never quoted rates to find lower-cost coverage. American drivers could pocket roughly $860 a year just by getting comparison quotes, but most tend to underestimate the rate savings if they moved their coverage to a different company.

You have multiple car insurance companies to buy insurance from, and although it's a good thing to be able to choose, having more insurers makes it harder to locate the cheapest rates for Chevy Cruze insurance in Charleston.

Consumers need to price shop coverage on a regular basis because prices go up and down regularly. If you had the best deal on Chevy Cruze insurance in Charleston last year other companies may now be cheaper. Block out anything you think you know about insurance because we're going to demonstrate the easiest way to eliminate unnecessary coverages and save money on Chevy Cruze insurance in Charleston.

The intent of this article is to help educate you on how to compare rates easily and some money-saving tips. If you currently have a car insurance policy, you should be able to buy cheaper car insurance using the following tips. Although South Carolina vehicle owners can benefit by having an understanding of how the larger insurance companies determine prices.

Discounts mean cheaper rates for Chevy Cruze insurance in Charleston

Insuring your vehicles can cost a lot, but there may be some discounts that you may not know about. Some discounts will apply at the time of purchase, but a few must be requested specifically in order for you to get them. If you do not double check each discount you qualify for, you may be paying too high a price.

It's important to understand that most of the big mark downs will not be given to the whole policy. Most only cut the cost of specific coverages such as liability, collision or medical payments. If you do the math and it seems like you could get a free car insurance policy, it doesn't quite work that way.

Larger car insurance companies and some of their more popular discounts include:

When getting free Charleston car insurance quotes, it's a good idea to each company to give you their best rates. A few discounts may not apply in every state. To see a list of providers with discount car insurance rates in South Carolina, click here to view.

Just remember that getting more free quotes will improve the odds of getting a lower rate than you're paying now.

The companies in the list below offer price quotes in South Carolina. If the list has multiple companies, we suggest you click on several of them to get the most competitive price.

Why You Might Pay Higher Rates in Charleston

It's important that you understand some of the factors that help determine the price you pay for insurance. If you have a feel for what controls the rates you pay, this enables informed choices that can earn you big savings.

The following are some of the items insurance companies consider when setting your rate level.

Local Charleston car insurance agents

Certain consumers would rather have an agent's advice and that is a smart decision An additional benefit of comparing insurance prices online is you can get cheap rate quotes but still work with a licensed agent. Buying from and supporting small agencies is still important in Charleston.

Insurance agents in CharlestonTo make it easy to find an agent, after completing this quick form, your information gets sent to participating agents in Charleston who will give you bids for your insurance coverage. It simplifies rate comparisons since you won't have to search for an agent since rate quotes are delivered immediately to you. You can most likely find cheaper rates and an insurance agent to talk to. In the event you want to get a comparison quote from a particular provider, don't hesitate to go to their quote page and give them your coverage information.

Exclusive or Independent: There is a difference

If you need to find a reliable insurance agent, you must know there are a couple types of agencies and how they function. Agents can be categorized as either exclusive or independent (non-exclusive).

Independent Agents (or Brokers)

Independent agencies do not sell for just one brand and that gives them the ability to insure amongst many companies and help determine which has the cheapest rates. If they quote lower rates, they simply move the coverage in-house and you don't have to find a new agent.

If you need lower rates, you will want to compare quotes from at a minimum one independent agency to get the most accurate price comparison.

The following are Charleston independent insurance agencies who may provide price quotes.

759 Folly Rd #C - Charleston, SC 29412 - (843) 762-2086 - View Map

125 Wappoo Creek Dr #3 - Charleston, SC 29412 - (800) 446-1862 - View Map

1455 suite G Remount Rd - North Charleston, SC 29406 - (843) 974-4183 - View Map

More Charleston agents

Exclusive Car Insurance Agents

Agents of this type have only one company to place business with such as Farmers Insurance or State Farm. They generally cannot compare other company's rates so it's a take it or leave it situation. Exclusive agents are well schooled on their company's products which aids in selling service over price.

The following are Charleston exclusive insurance agents that are able to give comparison quotes.

1890 Sam Rittenberg Blvd - Charleston, SC 29407 - (843) 763-4573 - View Map

2600 Savannah Hwy a - Charleston, SC 29414 - (843) 766-3665 - View Map

2011 Bees Ferry Rd b - Charleston, SC 29414 - (843) 766-1161 - View Map

More Charleston agents

Choosing the best auto insurance agent should depend on more than just a low price. The answers to these questions are important, too.

Upon receiving good feedback to these questions as well as offering an affordable quote, you have narrowed it down to an insurance agent that will properly insure your vehicles.

Choosing Chevy Cruze insurance is an important decision

Even though it's not necessarily cheap to insure a Chevy in Charleston, insuring your vehicle serves an important purpose.

The benefits of buying auto insurance outweigh the cost, especially for larger claims. But the average driver in South Carolina is currently overpaying as much as $855 a year so it's very important to do a rate comparison at every policy renewal to make sure the price is not too high.

Be persistent and save

When you buy Charleston car insurance online, don't be tempted to reduce needed coverages to save money. Too many times, drivers have reduced physical damage coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to purchase a proper amount of coverage at the best price, but don't skip important coverages to save money.

We just covered a lot of information how to save on Chevy Cruze insurance in Charleston. The key thing to remember is the more price quotes you have, the better likelihood of getting inexpensive Charleston car insurance quotes. Consumers could even find that the lowest priced car insurance comes from a small mutual company. Some small companies can often provide lower rates in certain areas than the large multi-state companies such as Progressive and GEICO.

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