How many years has it been since you compared the cheapest insurance rates in Columbia, SC? I doubt anyone loves paying for insurance, in particular when they could lower their rates if they shopped around.

Regrettably, most drivers have remained with the same insurance company for at least four years, and approximately 40% of consumers have never compared insurance rates at all. Columbia drivers could pocket up to $750 a year by just comparing quotes, but they don't want to take the time to save money by comparing rate quotes. Multiple auto insurance companies compete for your hard-earned dollar, so it's not easy to compare every insurance company and get the definite best price available on insurance.

The providers in the list below provide quotes in Columbia, SC. If multiple companies are shown, we suggest you compare several of them to get the best price comparison.

Insurance Costs for Popular Vehicles in Columbia
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LS $978 $489 $82
Chevrolet Malibu LTZ $850 $425 $71
Chevrolet Silverado Crew Cab Hybrid 2WD $1,232 $616 $103
Dodge Ram Quad Cab Laramie 2WD $942 $471 $79
Ford Escape Limited 4WD $1,260 $630 $105
Ford Explorer Eddie Bauer 4WD $1,156 $578 $96
Ford F-150 SVT Raptor Super Cab 4WD $1,064 $532 $89
Ford Focus SEL 4-Dr Sedan $1,100 $550 $92
Ford Fusion Sport AWD 4-Dr Sedan $1,256 $628 $105
Honda Accord EX-L 2-Dr Coupe $1,386 $693 $116
Honda CR-V EX 2WD $1,024 $512 $85
Honda Civic VP 4-Dr Sedan $1,078 $539 $90
Hyundai Elantra Blue 4-Dr Sedan $932 $466 $78
Hyundai Sonata Limited 4-Dr Sedan $1,358 $679 $113
Jeep Wrangler Sport 4WD 2-Dr $788 $394 $66
Kia Optima SX $1,234 $617 $103
Nissan Altima 3.5 SR 2-Dr Coupe $1,620 $810 $135
Nissan Rogue SL 2WD $1,230 $615 $103
Toyota Camry Hybrid $1,148 $574 $96
Toyota Corolla XRS $1,472 $736 $123
Get Your Own Custom Quote Go

Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and South Carolina minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Price information does not factor in specific zip code location which can change prices substantially.

Men versus women drivers and insurance cost

The chart below visualizes the comparison of insurance prices for male and female drivers in Columbia. The premiums are based on no tickets, no at-fault accidents, comprehensive and collision coverage, $500 deductibles, single marital status, and no discounts are taken into consideration on a Nissan Altima 2.5 S.

Nissan Altima rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Careless driving habits raise auto insurance rates

The information below illustrates how traffic citations and accidents can raise Kia Optima yearly insurance costs for each age group. The costs are based on a single female driver, full coverage, $500 deductibles, and no discounts are applied.

Kia Optima rates are for example purposes only. To get rates for your specific vehicle, click here.

Discounts can help lower premiums on auto insurance

Companies do not list every discount they offer very well, so we researched both well-publicized as well as the least known discounts that you can inquire about if you buy Columbia car insurance online. If you are not receiving all the discounts available, you could be paying more than you need to.Discount auto insurance

Don't be shocked that some of the credits will not apply to the entire policy premium. Most only cut individual premiums such as comprehensive or collision. Despite the fact that it seems like having all the discounts means you get insurance for free, companies don't profit that way.

To choose companies with the best auto insurance discounts in Columbia in Columbia, click here.

Can't I compare rate quotes from local Columbia insurance agencies?

Some consumers just prefer to buy from a local agent and that is not a bad decision Professional agents can answer important questions and will help you if you have claims. A nice benefit of getting online price quotes is the fact that you can find cheaper rates and also buy local.

Find insurance agent in ColumbiaOnce you complete this simple form, the quote information is immediately sent to local insurance agents in Columbia who can give free rate quotes for your auto insurance coverage. There is no reason to leave your house because prices are sent to you. If you have a need to get a comparison quote from a specific company, just navigate to their website and fill out their quote form.

Finding the right insurance company requires you to look at more than just a cheap quote. Agents should be asked these questions:

Choose the right auto insurance agent

If you want to buy auto insurance from a reliable insurance agent, there are a couple of types of agencies to choose from. Agencies in Columbia are considered either exclusive or independent. Either one can insure your vehicles properly, but it's important to know the difference in the companies they write for because it may have an impact on your agent selection.

Exclusive Agents

Exclusive insurance agents can usually just insure with one company like Farmers Insurance, American Family, State Farm and Allstate. They generally cannot provide other company's prices so always compare other rates. Exclusive agents are well trained on what they offer which can be an advantage.

The following is a list of exclusive insurance agencies in Columbia willing to provide rate quotes.

111 Sparkleberry Crossing Rd #10 - Columbia, SC 29229 - (803) 788-9188 - View Map

9016 Farrow Rd Ste A - Columbia, SC 29203 - (803) 736-5999 - View Map

8006 E Garners Ferry Rd - Columbia, SC 29209 - (803) 695-7070 - View Map

View more agents

Independent Agents

These agents do not write with just one company and that allows them to write policies with many different companies and get you the best rates possible. If they find a lower price, your agent can just switch to a different company without you having to go to a different agency. When comparing auto insurance rates, it's recommended you check rates from a couple of independent agencies to ensure the widest selection of prices.

Shown below is a short list of independent insurance agencies in Columbia willing to provide rate quotes.

Smoak Insurance Agency, Inc.
1534 Leesburg Rd - Columbia, SC 29209 - (803) 254-4323 - View Map

952 Sunset Blvd - West Columbia, SC 29169 - (803) 794-0411 - View Map

607 Meeting St - West Columbia, SC 29169 - (803) 387-0712 - View Map

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When should I discuss my situation with an agent?

Always remember that when buying the right insurance coverage, there is no perfect coverage plan. Your needs are unique to you.Auto insurance savings

These are some specific questions can aid in determining if your situation could use an agent's help.

If you don't know the answers to these questions but one or more may apply to you, you might consider talking to an insurance agent. If you don't have a local agent, take a second and complete this form. It only takes a few minutes and may give you better protection.

Four things that impact your prices

When buying auto insurance it's important to understand some of the things that go into determining auto insurance rates. If you understand what controls the rates you pay, this enables you to make decisions that can help you get lower auto insurance prices. Many factors are part of the equation when you get your auto insurance bill. Some factors are common sense such as traffic violations, although some other factors are less apparent such as your marital status and annual miles driven.

The list below includes a few of the "ingredients" that factor into your prices.

Insurance is an important decision

Despite the potentially high cost of insurance, insurance is mandatory in South Carolina but it also protects more than you think.

The benefits of insuring your car greatly outweigh the cost, particularly when you have a large claim. According to a 2015 survey, the average American driver is overpaying over $865 each year so it's important to compare rates once a year at a minimum to be sure current rates are still competitive.

Persistence will pay off

Some insurance providers don't offer price quotes online and usually these regional insurance providers work with independent insurance agents. Affordable car insurance in Columbia can be found from both online companies and also from your neighborhood Columbia agents, so you need to compare both to have the best rate selection.

People who switch companies do it for many reasons like denial of a claim, lack of trust in their agent, an unsatisfactory settlement offer and even high rates after DUI convictions. Whatever your reason, finding a great new company is easier than you think.

We covered many ways to lower your car insurance prices in Columbia. The most important thing to understand is the more rate quotes you have, the better chance you'll have of finding cheaper Columbia car insurance quotes. Consumers could even find that the best prices are with the least-expected company.

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