Strategies for Saving Money on Aiken, SC Car Insurance Rates

Are you overwhelmed by the crazy number of car insurance companies in Aiken? Many other drivers are as well. People have so many choices that it can easily become a lot of work to compare prices.

Shopping for the cheapest protection in Aiken can be fairly easy. If you have a current car insurance policy or need a new policy, you can use this information to get lower rates while maintaining coverages. South Carolina vehicle owners just need to learn the tricks to compare prices on the web.

How to Compare Car Insurance Costs in Aiken, SC

Most major insurance companies like Progressive, GEICO, Allstate and State Farm quote coverage prices directly from their websites. This process is fairly simple as you just enter the amount of coverage you want into the quote form. Upon sending the form, the system automatically orders reports for credit and driving violations and gives you a price quote based on these factors.

This makes it a lot easier to compare rates but having to visit multiple sites and enter the same data into a form can be a bit repetitive. But it’s absolutely necessary to have as many quotes as possible in order to find lower prices.

There is a better way to compare rates

An easier way to find cheaper rates utilizes a single form to obtain quotes from multiple companies. It’s a real time-saver, reduces the work, and makes online shopping a little more enjoyable. After your information is entered, your coverage is rated and you can choose any or none of the quote results.

If a lower price is quoted, you can simply submit the application and purchase coverage. The entire process can be completed in a matter of minutes and may result in a nice savings.

To get comparison pricing now, click here and begin entering your coverage information. If you have your current policy handy, we recommend that you enter deductibles and limits identical to your current policy. This guarantees you will have rate comparison quotes based on the exact same insurance coverage.

Quote online but work with a neighborhood agent

Some consumers just want to buy from a licensed agent. Licensed agents can help determine the best coverages and give you peace of mind. The best thing about price shopping on the web is the fact that you can find lower rates but also keep your business local. And providing support for local insurance agencies is important particularly in Aiken.

After filling out this quick form, your insurance coverage information gets sent to insurance agents in Aiken who will compete for your insurance coverage. You never need to drive around due to the fact that quote results will go straight to your inbox. How cool is that?!

Two types of Aiken insurance agents

When researching local Aiken agents, there are two different agency structures from which to choose. Agencies in Aiken are classified as either captive or independent (non-captive). While both can write coverage properly, but it’s important to know the differences since it can impact your agent selection.

Independent Insurance Agents

These agents are not required to write business for one company so they have the ability to put coverage with many different companies and potentially find a lower price. To move your coverage to a new company, the business is moved internally and you don’t have to find a new agent. When comparing rates, we recommend you include several independent insurance agents for the best price selection. They often place coverage with smaller companies which can save you money.

Shown below is a short list of independent insurance agents in Aiken willing to provide price quote information.

  • Keller Agency – 1204 Whiskey Rd # A – Aiken, SC 29803 – (803) 649-5148
  • David Cruse Insurance Svc – 209 Richland Ave W – Aiken, SC 29801 – (803) 642-2800
  • Nationwide Insurance – 219 Silver Bluff Rd – Aiken, SC 29803 – (803) 649-6461
  • Direct General Ins Agency – 424 Hayne Ave SW – Aiken, SC 29801 – (803) 643-2759
Agency Captives

These agents have only one company to place business with and some examples include Allstate, Farmers Insurance, State Farm and AAA. Captives cannot give you multiple price quotes so it’s a take it or leave it situation. Captive agents are well schooled in insurance sales which helps them sell insurance even at higher premiums. Consumers sometimes choose to use a captive agent primarily because of high brand loyalty and solid financial strength.

Shown below is a list of captive insurance agents in Aiken that are able to give rate quotes.

  • Allstate Insurance – 1890 Huntsman Dr – Aiken, SC 29803 – (803) 642-6560
  • Farm Bureau Insurance – 1184 E Pine Log Rd – Aiken, SC 29803 – (803) 648-5421

For a full directory of Aiken captive agencies, please view this page.

Choosing an insurance agent shouldn’t rely on just a low price. Here are some questions to ask:

  • Are claim adjusters local or do you have to take your car somewhere else?
  • What is the agency’s Better Business Bureau rating?
  • Are they properly licensed to sell insurance in South Carolina?
  • Do they feel the quoted coverages are adequate?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?

Upon getting satisfactory answers to these questions in addition to an acceptable price estimate, you may have just found an insurance agent that meets your needs to service your policy.

To learn more about car insurance in South Carolina

More information can be read on the South Carolina Department of Insurance website located here. Visitors are able to find a variety of consumer forms, file complaints about an insurance agent or broker, and learn about insurance regulations.