Lowest Rates for Aiken Auto Insurance Companies

When pricing auto insurance in Aiken, SC, you have many choices and choosing the right Aiken car insurance agent is harder than just picking up the phone. Consumers need a friendly agent, and also want to find cheaper auto insurance prices.

There are many insurance agencies to choose from, and even though it’s nice to have a choice, lots of choices makes it harder to find the best rates.

Neighborhood insurance agents

Good agents are trained to spot inefficiencies and give you peace of mind. The biggest benefit of comparing insurance prices online is you can get lower rates and still have an agent to talk to.

Upon completion of this quick form, the coverage information gets sent to local insurance agents who will give you bids for your insurance coverage. There is no need to leave your house due to the fact that quote results will go to the email address you provide. Now that’s easy! You can find the lowest rates and an insurance agent to talk to.

Picking an insurance agency requires more thought than just the premium amount. These are valid questions to ask:

  • Are they full-time agents?
  • Does the company allow you to choose your own collision repair facility?
  • Can they give you a list of client referrals?
  • How long has their agency been in business in Aiken?
  • How much will you save each year by using a higher deductible?

Captive and independent Aiken car insurance agents

If you’re trying to find local Aiken agents, you need to know there are two types of agencies that differ in how they can insure your vehicles. Insurance agencies in Aiken can either be independent or captive.

Agency Captives

This type of agents can only place business with one company and some examples include American Family, Liberty Mutual and AAA. They are unable to place coverage with different providers so they are skilled at selling on more than just price. They are usually quite knowledgeable on the products they sell which can be an advantage.

Shown below are captive agents in Aiken that are able to give price quote information.

Allstate Insurance – 1743 Whiskey Rd – Aiken, SC 29803 – (803) 648-2672
S C Farm Bureau – 1310 Pine Log Rd – Aiken, SC 29803 – (803) 643-3490

Independent Agents

Independent insurance agents are not locked into one company but rather can write business amongst many companies and potentially find a lower price. To transfer your coverage to a different company, they simply move the coverage in-house and you won’t have to switch agencies. When comparison shopping, it’s a good idea to include multiple independent agents to ensure the widest selection of prices.

Listed below is a list of independent insurance agencies in Aiken that can give you rate quotes.

David Cruse Insurance Svc – 209 Richland Ave W – Aiken, SC 29801 – (803) 642-2800
Keller Agency – 1204 Whiskey Rd # A – Aiken, SC 29803 – (803) 649-5148
Julian Dunbar Insurance – 107 Pendleton St NW – Aiken, SC 29801 – (803) 649-7160
Direct General Ins Agency – 424 Hayne Ave SW – Aiken, SC 29801 – (803) 643-2759

For a full directory of insurance agents in Aiken, visit this site.

After receiving positive feedback to all your questions and locked in a price quote, most likely you have located a car insurance agent that can insure your vehicles.

You have the option to buy direct online

Car insurance agents are important, but South Carolina drivers can also buy direct over the internet. Certain auto insurance companies who sell through agents in Aiken additionally provide the ability to get a quote and buy online, so this should also be taken into consideration.

If you’re worried about not receiving proper advice when buying car insurance direct, this is normal but is quickly overcome. All companies all provide contact methods to answer any questions you may have.

South Carolina insurance agents

Do customers save by switching to an online company? That is a tough question to answer due to the large number of individual components that impact your final bill. Common sense would say that purchasing direct online saves money by not requiring a commission. But that assumption is generally incorrect because promoting brand recognition is pricey and this tends to eat up any savings.

More tips and info about auto insurance is available at the South Carolina Department of Insurance website. South Carolina consumers can read state legal mandates and laws, learn about insurance regulations, find a variety of consumer forms, and file complaints about a company.

Better coverage you can count on

Insureds change insurance companies for any number of reasons including denial of a claim, delays in paying claims, unfair underwriting practices or extreme rates for teen drivers. It doesn’t matter what your reason, finding the right auto insurance provider is less work than it seems.

Cheap auto insurance can be bought online and also from your neighborhood Aiken agents, so you should compare both to get a complete price analysis. Some insurance companies may not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.