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Everyone wants to get the best rates possible on car insurance in South Carolina. No one wants to be caught driving without insurance, and with the state's data-based tied into insurance company records it is virtually impossible to drive a vehicle without insurance without the state finding out.

Rather than risk the rather hefty fines and fees involved with reinstating a vehicle that has been driven without insurance, it just makes more sense to take a few moments and find some quick and legal ways of reducing your cost of car insurance.

It all starts with what you drive and how you drive. Let's start with the "what."

Some cars cost a lot more to insure than other cars. Before you buy any car you need to know how much that particular make and model is going to cost you in insurance each month. Your agent will be happy to supply you with a list of makes and models that cost the least to insure.

The way you drive accounts for how much you pay for car insurance more than any other single thing. You need a clean driving record if you want the best rates for your car insurance. That means no speeding tickets and no tickets for any moving violations. It also means no convictions for DUI or DWI.

If you can possibly garage your car at night do so and let your agent know.

If you can reduce your driving mileage to under 500 miles per month there is a rather nice Low-Mileage reduction in your premium every month.

If you can carpool to work and reduce the number of days that your car is driven back and forth to work you need to let your agent know as this will reduce your car insurance cost.

If you retire or stop going into work at all this will also reduce the cost of your car insurance.

If you add even a simple anti-theft device to your car, such as a steering wheel lock or a device for disabling your fuel pump until you enter a secret code let your agent know as this might save you more money each month.

Do you belong to any clubs or organizations or associations that offer their members a group discount on car insurance? A lot of organizations - even religious ones - are now offering group car insurance to their members. Don't hesitate to ask.

If you set it up so that your monthly premium is paid automatically each month you can save money. If you can pay your premiums yearly rather than monthly you can save even more!

If you are married place the wife on the account as the primary driver and the husband as the secondary driver. Since women get a better rate on car insurance than do men, this will save you some nice cash each month.

Never modify your car - especially to make it drive faster. If you modify your car you can expect to pay more for your insurance.

Probably the fastest and most dramatic way to reduce your monthly car insurance payment is to increase your deductible. The higher your deductible the lower your monthly payment. However, don't promise to pay a higher deductible than you can actually afford, since you'll have to pay your deductible in cash every time you file a claim.

And by the way, don't file small claims. Take care of the small stuff yourself. The longer you can go without filing a claim the lower your cost of car insurance.

Finally, get online and find 3 or more websites that compare the cost of car insurance from company to company. The trick in using these comparison websites is to put the exact same information into the form on at least 3 different sites. In this way you are comparing the same policy each time plus you will get the rates from as many different insurance companies as possible.

Once you've done that your work is done. All that's left is for you to choose the lowest-priced company and you can rest easy at night knowing that you have found the best rates on car insurance in South Carolina and that you are saving the most money possible each and every month.