When buying car insurance in Simpsonville, you have many choices and selecting the best Simpsonville car insurance agent for your needs takes more work than just driving to the closest agent’s office. Chances are you’re wanting a professional licensed agent, but you also want to find great rates as well.
With Allstate, Farmers, State Farm and many independent agents all competing for your business, it can be hard to know which provider will provide the best rates, service and coverage. Fortunately, consumers can get online price quotes in order to build a list of agents and thier coverage prices.
Shop online but buy locally
Insurance agents are trained to spot inefficiencies and help file insurance claims. The biggest benefit of comparing rates online is you may find the lowest rates but still work with a licensed agent. Buying from local insurance agencies is important especially in Simpsonville.
Upon completion of this quick form, your coverage information is transmitted to insurance agents in Simpsonville who will compete for your coverage. There is no need to drive around since price quotes are sent to your email. How cool is that?!
The difference between Simpsonville car insurance agents
When searching for a local agent, you must know there are a couple types of agencies from which to choose. Insurance agencies in Simpsonville can either be captive or independent (non-captive). While both can do a good job, but it’s good to learn the difference between them because it can influence your selection of an agent.
Independent Agents (or Brokers)
These agents do not work for one specific company but instead can place your coverage with any number of different companies enabling the ability to shop coverage around. To move your coverage to a new company, they simply move the coverage in-house without you having to go to a different agency.
When shopping rates, we recommend you include price quotes from at least one independent agent to get the best comparison.
Listed below are independent agencies in Simpsonville that may be able to provide price quotes.
Bob Owens Agency – 837 NE Main St – Simpsonville, SC 29681 – (864) 963-8061
Horace Mann Insurance Co – 700 NE Main St – Simpsonville, SC 29681 – (864) 962-5192
Brashier Agency Inc – 3 Hedge St – Simpsonville, SC 29681 – (864) 963-3655
Wickliffe Insurance Svc – 406 SE Main St – Simpsonville, SC 29681 – (864) 967-4755
These agents have only one company to place business with and examples are Farmers Insurance or State Farm. They usually cannot shop your coverage around so it’s a take it or leave it situation. Captives are trained well in insurance sales and that can be a competitive advantage.
The following is a list of captive agencies in Simpsonville that can give you price quotes.
Joel Hensel State Farm – 117 Batesville Rd – Simpsonville, SC 29681 – (864) 286-1110
Allstate Insurance – 16 Berryblue Ct – Simpsonville, SC 29680 – (864) 228-2122
To view a full list of Simpsonville captive agents, please view this page.
Deciding on an auto insurance agent should depend on more than just the price. Ask your prospective agent these questions:
- Do they feel the quoted coverages are adequate?
- Are you getting all the discounts the company offers?
- Are claims handled at the agent’s location?
- What insurance companies do they work with?
- What will you get paid if your car is a total loss? How is that amount determined?
- Which members of your family are coverage by the policy?
- Is the agent and/or agency licensed to do business in South Carolina?
- Can they provide you with a list of referrals?
Once you have received good answers to these questions and an acceptable price quote, you may have just found an auto insurance agent that can provide car insurance coverage.
Can you save by buying online?
Car insurance agents are important to many people, but South Carolina consumers also have the option to buy direct from companies that only sell online. Some specific companies like State Farm and Allstate who sell through agents in Simpsonville also allow you to get quotes and purchase online, so that should be considered if the lowest rate is your goal.
If you’re anxious about choosing your own coverages when buying car insurance direct, this is normal but is quickly overcome. Auto insurance companies provide options you can use to get advice on coverages. Consumers also can use online education and live help anytime you can access prior to buying.
Are online premiums lower? Many people swear by it, but it’s difficult to answer since there may be dozens of rate factors that are calculated into your premium. Some people think that shopping direct saves the commission normally paid to an agent. In many cases, marketing their products costs a lot of money so there may not be significant savings.
Additional South Carolina consumer information
Additional information can be found on the website for the South Carolina Department of Insurance located here. South Carolina consumers can learn about insurance regulations, read industry bulletins, discover disciplinary actions, and find disaster information.
Keep this in mind
The cheapest car insurance can be purchased both online as well as from independent agents in Simpsonville, and you need to comparison shop both so you have a total pricing picture. A few companies don’t offer you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.
When trying to cut insurance costs, it’s not a good idea to skimp on coverage in order to save money. Too many times, an accident victim reduced comprehensive coverage or liability limits only to regret at claim time that they should have had better coverage. The aim is to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.