Guide to Finding the Best Insurance Agent in Greenwood

When finding an insurance agent in Greenwood, South Carolina, you can always start your research by comparing rates online rather than picking up the phone. There is a good chance you require not only a competent insurance agent, but also the lowest possible price.

With insurance companies like Allstate, Farmers, State Farm and many independent agents all competing for business in Greenwood, it’s difficult to determine which provider will have the best service and rates. Thankfully, consumers can use online quoting to assemble a group of insurance agents and thier coverage prices.

Neighborhood insurance agents

Educated insurance agents are trained to spot inefficiencies and help file insurance claims. One of the great benefits of getting online price quotes is you can get lower rates but still work with a licensed agent. Buying from local insurance agencies is definitely important in Greenwood.

After completing this form (opens in new window), the coverage information is immediately sent to insurance agents in Greenwood who will return price quotes for your insurance coverage. You won’t need to leave your computer as quotes are delivered immediately to your email address. How cool is that?!

Two types of Greenwood auto insurance agents

When searching for a local agent, you need to know there are two different types of agents that you can select. Agents are classified as either independent (non-captive) or captive. Both types can insure your vehicles, but it’s important to know the difference between them since it may influence the type of agent you choose

Independent Insurance Agents

Independent agents are not locked into one company so they have the ability to put coverage with multiple insurance companies and possibly get better coverage at lower prices. To move your coverage to a new company, your agent can switch companies and you won’t have to switch agencies.

When shopping rates, it’s recommended you get quotes from at least one independent agent for the best price selection.

The following are Greenwood independent insurance agencies that can give you comparison quotes.

May and Dyer Agency – 1144 Reynolds Ave – Greenwood, SC 29649 – (864) 229-2314
American National Insurance Co – 464 Heritage West Ct # G – Greenwood, SC 29649 – (864) 229-4195
Mike Meredith Agency – 410 Main St – Greenwood, SC 29646 – (864) 229-4699
Bituminous Insurance Co – 116 Wagon Tree Ln – Greenwood, SC 29646 – (864) 227-1426
Direct General Ins Agency – 716 Montague Ave # A – Greenwood, SC 29649 – (864) 388-2760

Captive Insurance Agents

This type of agents are contracted to one company like Liberty Mutual, Allstate, Farmers Insurance or State Farm. They usually cannot compare other company’s rates so keep that in mind. These agents are trained well on the products they sell which helps them sell insurance even at higher premiums.

Shown below is a short list of captive insurance agencies in Greenwood willing to provide price quote information.

State Farm Insurance – 1128 S Main St – Greenwood, SC 29646 – (864) 223-6781
Allstate Insurance – 464 Bypass 72 NW – Greenwood, SC 29649 – (864) 229-7743
Farm Bureau Insurance – 211 Montague Ave – Greenwood, SC 29649 – (864) 223-3798

For a full directory of captive insurance agents in Greenwood, go to this page.

Selecting an auto insurance agent requires more thought than just the premium amount. Here are some questions to ask:

  • If they are an independent agency, which companies do they recommend?
  • How are they compensated?
  • Who are their largest clients?
  • Do the companies they represent have a solid financial rating?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • Do they carry Errors and Omissions coverage?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?

Once you have good answers to all your questions and an acceptable price quote, chances are good that you have found an insurance agency that will provide car insurance coverage.

Can you save by buying online?

Insurance agencies serve a purpose, but you also have the option of buying South Carolina car insurance from companies direct over the internet. Some companies who employ agents also allow consumers to get quotes and purchase online, so keep that in mind as an alternative to contacting agents.

If you’re uncomfortable with not having an insurance agent’s advice when buying online, that should not be a issue. Insurance companies have customer service departments that you can contact for information. Most companies also provide live help and 24/7 access so buying online is not difficult.

Can buying online lower your premiums? Whether or not you’ll save is impossible to say because there are many factors that impact your rate calculation. Some people think that buying car insurance online reduces premiums because there is no agent. For most companies selling online, however, advertising budgets are huge so this can offset any savings.

South Carolina car insurance agent

Read more about South Carolina car insurance

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

Other useful links include this resource for South Carolina car insurance prices and this list of insurance agents in Greenwood, SC.

Smart consumers save more

People who switch companies do it for many reasons like questionable increases in premium, unfair underwriting practices, delays in responding to claim requests or even high rates after DUI convictions. Whatever your reason, switching companies can be easy and end up saving you some money.

Affordable car insurance is available both online in addition to many Greenwood insurance agents, so you should compare both to have the best selection. Some insurance providers do not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.