Buy Columbia, SC Car Insurance Like a Penny-pincher

Are you overwhelmed by the crazy number of car insurance options in Columbia? You have a lot of company. You have so many options that it can turn into more work than you anticipated to find lower rates.

It’s a good idea to price shop coverage at least once a year because insurance rates are variable and change quite frequently. If you had the best rates a few years ago you will most likely find a better rate today. There is too much inaccurate information about car insurance on the web, but we’re going to give you some guaranteed methods to find affordable car insurance.

Columbia Car Insurance Comparisons

Most companies give coverage price quotes on their websites. This process doesn’t take a lot of time as you just type in the coverage amounts you desire into a form. When the form is submitted, the company’s rating system sends out for credit information and your driving record and gives you a price quote.

Online price quotes simplifies rate comparisons, but the work required to visit many different websites and type in the same information is repetitive and time-consuming. But it’s very important to do this if you are searching for better car insurance pricing.

There is an easier way!

The easiest way to compare car insurance pricing requires only one form that obtains quotes from many companies. It saves time, eliminates form submissions, and makes price shopping online much easier to do. After your information is entered, it is quoted and you can choose any one of the quotes returned.

If the quotes result in lower rates, it’s easy to complete the application and buy the policy. It only takes a few minutes and you’ll know if lower rates are available.

To compare rates using this form now, simply click here to open in new window and input your coverage information. If you have your current policy handy, we recommend you input the coverages as shown on your current policy. This ensures you’re receiving a rate comparison based on similar coverages.South Carolina car insurance quote

Your insurance agent down the street

Some people just want to buy from a local agent and there is nothing wrong with that. One of the best bonuses of comparing insurance prices online is you may find the best rates and still choose a local agent. Buying from local insurance agencies is definitely important in Columbia.

After completing this quick form, your insurance data is submitted to insurance agents in Columbia who will return price quotes to get your business. There is no reason to leave your house due to the fact that quote results will go immediately to your email address. How’s that for easy! It’s the lowest rates without the usual hassles of price shopping.

Different types of insurance agencies in Columbia

When searching for a good Columbia insurance agent, there are two different agency structures that differ in how they can insure your vehicles. Insurance agencies in Columbia can either be captive or independent.

Independent Agents (or Brokers)

Independent agencies are not locked into one company but instead can place your coverage with many different companies and potentially find a lower price. If you are not satisfied with one company, the business is moved internally without you having to go to a different agency.

When comparing rates, you should always get quotes from several independent insurance agents to ensure the widest selection of prices.Many can place coverage with lesser-known insurance companies which can save you money.

The following is a short list of independent agents in Columbia that are able to give price quote information.

  • Adams Agency Inc – 1087 Calks Ferry Rd – Columbia, SC 29212 – (803) 359-4108
  • Brunetto Agency Inc – 10008 Two Notch Rd – Columbia, SC 29223 – (803) 699-3007
  • Horace Mann Insurance Co – 336 White Birch Cir – Columbia, SC 29223 – (803) 462-6096
  • Nationwide Insurance – 3904 Two Notch Rd – Columbia, SC 29204 – (803) 799-4673
  • Heard Agency – 1608 Decker Blvd – Columbia, SC 29206 – (803) 787-8881
Captive Insurance Agents

Captive agencies work for only one company and examples are State Farm, AAA, Farmers Insurance or Allstate. These agents are unable to shop your coverage around so they have no alternatives for high prices. These agents are very knowledgeable on the products they sell which can be an advantage. Consumers often choose to use a captive agent mostly because of the prominence of the brand and the convenience of having a single billing for all their coverages.

Shown below are captive agencies in Columbia who can help you get comparison quotes.

  • Allstate Insurance – 1400 Browning Rd – Columbia, SC 29210 – (803) 772-7500
  • State Farm Insurance – 210 Outlet Pointe Blvd – Columbia, SC 29210 – (803) 772-5554
  • Farm Bureau Insurance – 960 George Rogers Blvd – Columbia, SC 29201 – (803) 799-0655

For a complete listing of Columbia captive insurance agencies, simply jump to this page.

Choosing an auto insurance agent should depend on more than just the premium amount. Any agent should have no problem answering these questions:

  • Which members of your family are coverage by the policy?
  • If your car is totalled, how to they determine the replacement cost?
  • Are you getting all the discounts the company offers?
  • Can they give you a list of client referrals?
  • How often do they review policy coverages?

Once you have reasonable responses to your questions as well as a affordable price, chances are good that you have found an auto insurance agent that meets your needs to provide car insurance coverage.

To find out more about South Carolina car insurance

Much more information about car insurance in South Carolina can be found on the South Carolina Department of Insurance website. Click here for link. South Carolina consumers can download brochures, find a variety of consumer forms, file complaints about a company, and read consumer alerts.