Learn How to Cut Costs on Lexington, SC Auto Insurance
Using the web to shop for Lexington auto insurance can be a challenge if you have never used online price comparisons. But don’t be discouraged because using the internet to shop for auto insurance is actually quite easy.
It’s smart to get comparison quotes occasionally because insurance rates change regularly. Just because you had the lowest price on your last policy you can probably find a better price now. There is a lot of bad advice regarding auto insurance on the internet, so by reading this article, you’re going to learn the best ways to stop overpaying for insurance.
If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using this information. Buying the cheapest coverage in Lexington can be fairly easy. But South Carolina vehicle owners must know how the larger insurance companies sell insurance online and apply this information to your search.
Fast and Easy Lexington Auto Insurance Quotes
Performing a rate comparison is a ton of work if you don’t know the best way to get rate quotes. You can spend countless hours talking about coverages with insurance companies in Lexington, or you could save time and use online quoting to quickly compare rates.
Most of the larger companies belong to a marketplace where prospective buyers submit their information once, and each company provides a quote. This prevents consumers from doing quote forms to each company.
To access this free quoting program, click here (opens in new window).
The one disadvantage to comparing rates this way is buyers cannot specifically choose the companies to get quotes from. If you prefer to choose specific providers to receive pricing from, we put together a list of auto insurance companies in South Carolina. Click here to view list.
It doesn’t matter which method you choose, just make darn sure you compare identical quote information on every quote you get. If you use unequal deductibles or liability limits then you won’t be able to make a fair comparison in Lexington. Slightly different limits can result in a big premium difference. And when price shopping your coverage, quoting more will improve the odds of getting the best price.
Do I need a local agent?
Some consumers just want to get advice from a local agent and that is OK! One of the best bonuses of getting online price quotes is you may find lower rates and still have an agent to talk to.
Once you complete this quick form, your coverage information is sent to participating agents in Lexington who will battle for your insurance coverage. You never need to even leave your home as quotes are delivered directly to your email. How’s that for easy! Get lower rates and a licensed agent to work with.
Deciding on an provider requires more thought than just the price. Ask your prospective agent these questions:
- Which insurance companies are they affiliated with?
- How are claims handled?
- How long has their agency been in business in Lexington?
- Do they specialize in personal lines coverage?
- If your car is in the repair shop, do you have coverage for a rental car?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- What insurance companies do they recommend if they are an independent agent?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
Not all auto insurance agents are the same
When researching a reliable agent, you must know there are a couple different agency structures that differ in how they can insure your vehicles. Agents are classified as either captive or independent.
Captive Insurance Agents
Captive agencies can only place business with one company such as Farmers Insurance or State Farm. These agents are not able to compare other company’s rates so they have to upsell other benefits. They are trained well on the products they sell which helps them sell insurance even at higher premiums. Some consumers prefer to purchase coverage from captives mainly due to the prominence of the brand and the convenience of having all coverages with one company.
Listed below are captive agencies in Lexington that are able to give comparison quotes.
- Allstate Insurance – 5335 Sunset Blvd # B – Lexington, SC 29072 – (803) 951-3299
Independent Agencies or Brokers
Independent agencies do not work for one specific company but instead can place your coverage with many different companies and possibly get better coverage at lower prices. To move your coverage to a new company, the agent simply finds a different carrier without you having to go to a different agency.
When comparison shopping, you should always get quotes from several independent insurance agents for the best price selection.Many can place coverage with smaller companies which can save you money.
The following are Lexington independent agents willing to provide price quotes.
- Gail T Lewis Agency – 213 W Main St – Lexington, SC 29072 – (803) 359-2799
- Strickland Agency – 112a Haygood Ave – Lexington, SC 29072 – (803) 996-2174
- Tidwell Agency Inc – 2650 Augusta Hwy – Lexington, SC 29072 – (803) 532-4404
- Midlands Insurance Ctr – 308 Columbia Ave – Lexington, SC 29072 – (803) 957-3311
- Mc Cain-Atkinson Insurance – 220 E Main St – Lexington, SC 29072 – (803) 996-5568
To view a complete directory of licensed insurance agents in Lexington, visit this link.
Once you have received acceptable answers for all questions you ask in addition to an acceptable price estimate, you may have just found an auto insurance agent that meets your needs to properly service your auto insurance policy.
South Carolina auto insurance information
Additional detailed information can be found at the South Carolina Department of Insurance website. Consumers can download brochures, read industry bulletins, and learn about specific coverages.
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