If you drive a vehicle in South Carolina, you’d better have it insured. The moment a car insurance policy lapses or is canceled anywhere, the state is notified. If another insurance policy isn’t purchased for that vehicle within 20 days, the state of South Carolina will cancel the vehicle’s registration tags and may suspend the driver’s license of the owner of the vehicle. State troopers can even come to your home and physically remove the license plate from the vehicle.
The point is, it’s just not worth the time and hassle — not to mention the fines and reinstatement fees — to even think about driving without insurance in the Palmetto State.
There is a much easier way. Rather than driving without insurance, drivers should find ways of bringing down the cost of insurance. Comparing car insurance plans in South Carolina is now an easy matter thanks to the internet and the growth of websites that allow you to compare prices from different companies.
So what can you do to keep the cost of car insurance as low as possible?
Of course keeping your driving record spotless is the best way to keep your insurance rates low. Getting just one speeding ticket or one moving violation of any kind can ruin your chances of finding the best possible rate for car insurance. If you have a DUI or DWI conviction on your record, then you can kiss low rates good-bye for a minimum of three years.
If you can reduce your driving down to 500 miles or fewer each month, you can save a tremendous amount through a low-mileage discount. Many people are achieving this by using public transportation whenever possible and leaving their car at home. Likewise, if you can carpool to work, you should be able to save considerably on your insurance every month. And if you stop working entirely and are no longer driving back and forth to work everyday, let your agent know.
If you belong to AAA or if you have a credit card that provides for emergency towing, then you can save a few dollars every month by not including towing on your car insurance.
Every year your vehicle is worth less and less. So if you reduce the amount of your collision and comprehensive coverage to match the declining vale of your vehicle, you can save money on your car insurance with each passing year. When the Kelly Blue Book value of your vehicle reaches zero (or very close to it), then you can save even more money by canceling your comprehensive and collision coverage completely.
Drivers under the age of 25 may be able to shave up to five percent off their bill each month simply by staying in school and maintaining at least a 3.0 grade point average. Drivers 55 and older may be able to save as much as 10 percent every month by passing a special refresher course that is offered by many insurance companies.
Don’t make small, insignificant claims. If you can go for as little as six months without making a claim, some companies will give you a break on your insurance. Other companies make you wait a year before the discounts begin, but the point is the same either way.
How much of a deductible do you pay? Ask yourself if you can afford to increase your deductible. If you can, then your monthly car insurance premium should drop almost instantly. But don’t promise to pay a larger deductible than you can actually afford.
You can start your search for cheap car insurance in South Carolina at AutoInsuranceWorld.net. We only partner with well-established and trusted brands in the industry. Get your fast free quote at the top of this page or right below.