Car insurance is required for anyone who drives a South Carolina vehicle. A car insurance policy that has expired or been cancelled in South Carolina is notified. If no new insurance is purchased for the vehicle within 20 calendar days, the state of South Carolina may cancel the registration tags and suspend the driver’s licence of the registered owner. The license plates can be physically removed from your vehicle by state troopers who may even visit you at home.
It’s not worth the effort and time – and even the fines and reinstatement fees – to drive without insurance in South Carolina.
There’s a simpler way. Let’s not drive without insurance. Instead, let us find ways to reduce the cost of the insurance that you need until you can afford to pay it every month.
The internet makes it easy to compare low cost car insurance rates in South Carolina. It is not worth filling out information on a comparison website without a plan to find the lowest cost.
Let’s instead look at some specific ways you can lower your car insurance costs even before you go online. This will allow you to find the best-priced policy, and the added savings that you get from the internet are just icing on top!
What can you do to lower the cost of your car insurance?
An easy change, such as finding parking for your vehicle overnight, can lower your insurance cost.
Maintaining a clean driving record is the best way for your insurance rates to be low. A single speeding ticket, or one other type of moving violation can affect your chances of getting the best rate on car insurance. A DUI or DWI conviction can result in lower rates for at least 3 years.
A Low Mileage Discount is a way to save money on your driving. This is what many people do by taking public transport whenever possible and leaving the car at home.
You can also carpool to work and save a lot on your monthly insurance. If you have stopped working and are not driving to work every day, let your agent know. This can help you save quite a bit.
AAA membership or emergency towing credit cards can help you save some money each month.
Your vehicle’s value decreases each year. You can save money every year by reducing the cost of your collision and comprehensive coverage to match the decreasing value of your vehicle.
You can cancel your comprehensive or collision insurance when your vehicle’s Kelly Blue Book value reaches zero.
Drivers aged 25 and under can cut their monthly bill by 5% simply by remaining in school and maintaining a minimum of a 3.0 average. Drivers over 55 may be able save 10% by taking a refresher course, which is offered by some insurance companies.
Do not make insignificant or small claims. Some companies will offer discounts if you go six months without filing a claim. While some companies may require that you wait up to a year before discounts are available, the concept is the same.
What amount of a deductible will you have to pay? Ask yourself and be open about your ability to afford an increase in your deductible. The monthly premium for car insurance should drop almost instantly if you can afford to increase your deductible. However, you should not promise to pay more than you can afford.
That should do it. It’s now up to you to search for 3 price comparison websites for car insurance. Then, fill out each form using the information from this article. It is important to enter the same information on all three sites. This will ensure that you not only compare the same policy three times but that you also see the prices from as many South Carolina insurance companies as possible.
Here comes the fun part. You just need to select the lowest-priced insurance company that you can find, and lock in your policy. You’ve done it. You’ve done your research. Have fun driving!