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Liberty Auto Insurance

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Car Insurance

Shopping for auto insurance can be a daunting task. Do I need comprehensive insurance, or just the basic coverage? Which insurance company should I choose, and what is a reasonable monthly rate for my vehicle? These are all questions that any savvy consumer may ask. However, one fact that all consumers can agree on is that purchasing auto insurance can provide the peace of mind and safety that their family deserves, which is why choosing the right insurance policy is such an important decision.

Lets learn about purchasing auto insurance in the city of Liberty, South Carolina. Bodily injury liability insurance protects you from claims by other people who were injured in an accident; this type of insurance is required by the state of South Carolina. The law does not require collision insurance, but it should be a serious consideration if you are looking to avoid costly payments in the event of an accident. Comprehensive insurance, which is also not required by law in the state of South Carolina, covers any damages to your car, even if you are at fault for the accident. Collision insurance comes with a catch- the deductible. This is the amount of money that you have to pay in the event of an accident before your insurance company takes over and covers the remaining costs. For example, if repairs to your vehicle cost $2000, and you have a $500 deductible, then you will have to pay only $500. Receiving a lower monthly rate in Liberty may require obtaining a higher deductible. This method should not be abused, for you will regret that high deductible in the event of an accident!

Thankfully, there are much safer methods of obtaining insurance discounts. Be sure to take advantage of multi- car discounts if you have more then one vehicle that requires insurance. Also, safety devices such as airbags and ABS breaks can convert to a reduction of your monthly insurance bill. In Liberty, South Carolina, there are even discounts for being accident free for a period of time, so be sure to check with your insurance company before committing to a policy. Another factor that can affect the cost of your auto insurance in the age of the individual at the wheel. If your child plans to drive a vehicle and possesses a learners permit or probationary license, note that their insurance rate may be higher then that of an adult. Ensure that your child takes Liberty’s driver’s education courses in order to reduce your monthly rate.

The most important step that you can take to ensure that you receive a fair monthly insurance rate is to take advantage of an insurance comparison site such as esurance.com, thezebra.com, or consumeraffairs.com. If you are driving a Ford F-150, one of the best selling cars in America, then a payment of just $30 per month will buy you the basic state mandated auto insurance in Liberty, South Carolina. However, if you are looking for a more comprehensive policy with a low deductible, then you will be paying between $70 per month at State Farm, and nearly $100 per month at Nationwide (thezebra.com). While the $30 option is very tempting, there is no doubt that a cheaper insurance rate typically translates to a lower quality policy and a higher deductible. The quantity of auto insurance options in the city of Liberty, South Carolina is downright overwhelming, but with these tips, you should be on the right track to choosing an insurance policy, which is both affordable and high quality.