Tips to Finding the Best Insurance Agency in Cayce

When trying to find a good Cayce agent, you can do the preliminary legwork online rather than picking up the phone. You need a competent insurance agent, but also need the lowest rates for auto insurance in Cayce.

Lots of car insurance agents contend for your hard-earned dollar, so it can be very hard to choose a insurance agent and get the best coverage at the cheapest price

Shop online but buy locally

Insurance agents can point out coverage gaps and help submit paperwork. The best thing about comparing insurance prices online is you can get better rates but also keep your business local.

For easy comparison, once you complete this simple form, the quote information is sent to local insurance agents in Cayce who will give you bids for your insurance coverage. There is no reason to leave your house as quotes are delivered straight to your inbox. Now that’s easy!

Picking a car insurance agent requires more thought than just the bottom line cost. Agents should be asked these questions:

  • Is the agent and/or agency licensed to do business in South Carolina?
  • If your car is totalled, how to they determine the replacement cost?
  • If you are a high risk driver, do they have special markets for your coverage?
  • Do the coverages you’re quoting properly cover your vehicle?
  • Does the company allow you to choose your own collision repair facility?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Are claim adjusters local or do you have to take your car somewhere else?

What types of insurance agencies are in Cayce?

When researching a reputable insurance agent or broker, you need to know there are two types of agencies that differ in how they can insure your vehicles. Agencies in Cayce are either captive or independent (non-captive). Both types can do a good job, but it’s important to know how they differ because it can influence your agent selection.

Captive Insurance Agents

Captive insurance agents have only one company to place business with and some examples include Allstate, Farmers Insurance, State Farm and AAA. They generally cannot give you multiple price quotes so they have to upsell other benefits. These agents are well schooled on their company’s products and that can be a competitive advantage. Consumers often choose to use a captive agent partially due to loyalty to the company and strong financial ratings.

Shown below are captive agents in Cayce who can help you get price quote information.

  • Allstate Insurance – 829 Knox Abbott Dr # B – Cayce, SC 29033 – (803) 739-2254
Independent Agents

Independent insurance agents are not employed by any specific company but rather can write business with multiple insurance companies and possibly get better coverage at lower prices. If you are not satisfied with one company, your agent can switch companies without you having to go to a different agency.

When shopping rates, it’s recommended you get quotes from multiple independent agents to get the best comparison. They also have the ability to place coverage with smaller companies which may provide better rates.

Listed below is a short list of independent agents in Cayce that can give you price quote information.

  • G N Wallace Insurance Inc – 1101 Knox Abbott Dr – Cayce, SC 29033 – (803) 796-7920
  • Johnny Jeffcoat Agency – 1220a Knox Abbott Dr – Cayce, SC 29033 – (803) 957-5159
  • South Carolina Reinsurance – 440 Knox Abbott Dr # 300 – Cayce, SC 29033 – (803) 791-5258

To view a full list of auto insurance agents in Cayce, please click here.

After getting answers to your satisfaction to your questions in addition to an acceptable price estimate, you have narrowed it down to a car insurance agent that meets your needs to insure your vehicles.

But what about buying coverage online?

Car insurance agents are a valuable resource, but you can also buy South Carolina car insurance from companies direct over the internet. A few companies, such as Farmers Insurance and State Farm, who sell through agents in Cayce additionally provide the ability to buy a policy online, and that is helpful.

If you’re worried about choosing your own coverages, this is a normal reaction for first-time shoppers. Companies give you access to trained agents you can use to get advice on coverages. You may also access live help and 24/7 access to clarify any questions you may have.

Is it cheaper to buy online? That question is hard to answer since there may be dozens of rate factors that determine your policy premium. It’s a logical assumption that shopping direct saves the cost of an agent commission. But the fact is, advertising budgets are huge so the rates may be similar to buying from an agent.

To learn more about auto insurance in South Carolina

More tips and info about auto insurance can be read at the South Carolina Department of Insurance website. South Carolina drivers can view a list of available companies, find a variety of consumer forms, and download brochures.

find South Carolina insurance agents

A tidy conclusion

Lower-priced auto insurance is definitely available on the web as well as from independent agents in Cayce, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance providers don’t offer you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

As you prepare to switch companies, make sure you don’t sacrifice coverage to reduce premiums. In many instances, someone dropped full coverage only to regret they didn’t have enough coverage. Your strategy should be to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.