Insurance quote for Kia Sorento in ColumbiaWant to learn how to save money and find more competitive Kia Sorento insurance in Columbia? Are you burned out from scraping nickels together to make your car insurance payment? You are no different than many other South Carolina consumers.

Unbelievably, most drivers have stayed with the same insurance company for four years or more, and just short of a majority have never quoted rates to find cheap coverage. South Carolina insurance shoppers can cut their rates by almost 55% a year by just comparing quotes, but they won't spend time to compare rates and save money. Big-name insurance companies like State Farm, GEICO and Farmers Insurance all claim big savings, bombarding you with fancy advertisements and it is challenging if not impossible to ignore the flying pigs and cute green geckos and find the best price available.

Most companies make it easy to get price estimates direct online. The process is possible for anyone as you just enter your personal and coverage information into a form. Upon sending the form, the company's rating system automatically retrieves your driving record and credit report and generates pricing information based on these and other factors. This makes it a lot easier to compare rates and it's necessary to compare as many rates as possible in order to get lower-cost car insurance pricing.

To fill out one form to compare multiple rates now, consider comparing rates from the companies shown below. To compare your current rates, we recommend you input deductibles and limits exactly as they are listed on your policy. This helps ensure you are getting a fair comparison for exact coverage.

The following companies can provide free rate quotes in South Carolina. If the list has multiple companies, we suggest you compare several of them in order to find the lowest rates.

Car insurance policy discounts you can't miss

Some insurers do not advertise all possible discounts in an easy-to-find place, so we break down a few of the more well known and also the lesser-known credits available to bring down your rates.Save money with discounts

You should keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most only reduce specific coverage prices like comprehensive or collision. Despite the fact that it seems like having all the discounts means you get insurance for free, it just doesn't work that way. But all discounts will help lower the cost of coverage.

A few of the larger companies and some of their more popular discounts can be found below.

When comparing rates, check with each company which discounts you may be entitled to. Depending on the company, some discounts may not be available in your state. If you would like to see a list of insurers that have a full spectrum of discounts in Columbia, click here.

It may be expensive, but it's not optional

Even though it can be expensive, paying for car insurance is not optional due to several reasons.

The benefits of insuring your car are definitely more than the cost, especially with large liability claims. Despite what companies tell you, the average driver is overpaying over $850 per year so you should quote your policy with other companies each time the policy renews to be sure current rates are still competitive.

Do I need an insurance agent?

A small number of people just prefer to sit down and talk to an agent and that is recommended in a lot of cases Experienced insurance agents can help determine the best coverages and help in the event of a claim. One of the benefits of getting online price quotes is you may find cheap car insurance rates but also keep your business local.

Insurance agency in ColumbiaAfter filling out this quick form, the quote information is submitted to agents in your area that can provide free Columbia car insurance quotes for your car insurance coverage. It makes it easy because there is no need to visit any agencies since price quotes are sent immediately to you. In the event you want to compare prices for a specific company, you can always find their quoting web page and fill out their quote form.

Picking the best company shouldn't rely on just a low price. Any agent in Columbia should be forthright in answering these questions:

Is an exclusive or independent auto insurance agent right for you?

If you are wanting to find a local insurance agency, there are two types of agencies and how they can service your needs differently. Car insurance agents may be either exclusive or independent. Both types can provide car insurance policies, but it's good to learn how they differ because it can impact the selection process.

Exclusive Agents

These type of agents are contracted to one company and examples are Allstate, Farmers Insurance, State Farm, and AAA. These agents are not able to give you multiple price quotes so they have to upsell other benefits. Exclusive insurance agents receive extensive training in insurance sales which aids in selling service over price.

Below are exclusive insurance agencies in Columbia that can give you price quotes.

504 Gervais St - Columbia, SC 29201 - (803) 250-4930 - View Map

4711 Forest Dr #4 - Columbia, SC 29206 - (803) 738-9418 - View Map

4429 Broad River Rd - Columbia, SC 29210 - (803) 798-5377 - View Map

More insurance agents

Independent Agencies or Brokers

Agents that choose to be independent can quote rates with many companies and that allows them to write policies with lots of companies depending on which coverage is best. To transfer your coverage to a different company, they simply move the coverage in-house which makes it simple for you.

When comparison shopping, we recommend you get quotes from at a minimum one independent agency for the best price selection.

The following are Columbia independent insurance agencies willing to provide rate quotes.

1 Fernandina Ct - Columbia, SC 29212 - (803) 732-0060 - View Map

4700 Forest Dr - Columbia, SC 29206 - (803) 451-0076 - View Map

9300 Two Notch Rd - Columbia, SC 29223 - (803) 400-1911 - View Map

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If you feel you receive reasonable responses for all questions you ask and locked in a price quote, it's possible that you found an insurance agency that meets the criteria to adequately provide car insurance. Just remember it's your policy and you can cancel coverage any time you want so don't assume you are locked into a specific agent for the entire policy term.