Welcome to the South Carolina Insurance Agency - Your SC Insurance Experts, Featuring Top Agencies, Agents, and Companies

Insurance Shopping Experts

We are an independent insurance agency that specializes in shopping around for the best rate for all your insurance needs. We know that finding a low rate on insurance can be a hassle. We help our clients by matching their risk to the insurance company that will give them the best rate. We have multiple insurance companies that will compete for your insurance business. Our job is to match you with the best rate for your situation and provide a path for future cost savings on all your insurance needs. No need to come to us our agents are mobile and can help you wherever they are! We can meet through zoom or phone and can get most service things done through email or our contact form.

shoppyWe make buying insurance easy!

Need Help With Your Insurance In South Carolina?

Find the right insurance product for you:

Car Insurance

Car Insurance

Find The Best Rates For Your Car Insurance Needs In South Carolina   What Do I Need To Get A Car Insurance Quote In South Carolina? It …

Car Insurance
Homeowners Insurance

Homeowners Insurance

Home insurance in South Carolina protects you from total financial loss against disasters.

Homeowners Insurance
Boat Insurance In South Carolina

Boat Insurance In South Carolina

Find The Best Rates For Your Boat And Jet Ski Insurance Needs In South Carolina Having boat insurance in South Carolina allows you to enjoy …

Boat Insurance
Renters Insurance In South Carolina

Renters Insurance In South Carolina

Find The Best Rates For Your Renters Insurance Needs In South Carolina   What Do I Need To Get A Renters Insurance Quote In South Carolina? Name …

Renters Insurance
Classic Car Insurance Discounts In South Carolina

Classic Car Insurance Discounts In South Carolina

Classic Car Insurance Discounts In South Carolina Classic car insurance has some great discounts available to help lower the price of your classic …

Classic Car Insurance
Commercial Auto Insurance

Commercial Auto Insurance

Find The Best Rates For Your Commercial Auto Insurance Needs In South Carolina Commercial auto insurance. Commercial auto insurance in South …

Commercial Auto Insurance
Motorcycle Insurance In South Carolina

Motorcycle Insurance In South Carolina

Find The Best Rates For Your Motorcycle Insurance Needs In South Carolina What Is Motorcycle Insurance? Motorcycle insurance is a type …

Motorcycle Insurance
Condo Insurance In South Carolina

Condo Insurance In South Carolina

Find The Best Rates For Your Condo Insurance Needs In South Carolina   What Do I Need To Get A Condo Insurance Quote In South Carolina? Year …

Condo Insurance
Landlord Rental Property Insurance In South Carolina

Landlord Rental Property Insurance In South Carolina

Find The Best Rates For Your Landlord Rental Property Insurance Needs In South Carolina   What Do I Need To Get A Landlord Rental Property …

Landlord Insurance
RV Recreational Vehicle Insurance In South Carolina

RV Recreational Vehicle Insurance In South Carolina

Find The Best Rates For Your RV Recreational Vehicle Insurance Needs In South Carolina What Is RVInsurance?   RV insurance is a type …

RV Insurance
Valuable Items Insurance In South Carolina

Valuable Items Insurance In South Carolina

Find The Lowest Rates For Your Valuable Items Insurance Needs In South Carolina What Do I Need To Get A Valuable Items Insurance Quote In …

Valuable Items Insurance

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Find an agent close to your home.

Work with a local insurance shopping expert familiar with all of the laws and requirements of South Carolina.

"Purchasing insurance can be an overwhelming experience that often requires more than just 15 minutes to know you're getting the best rate. As South Carolina's premier independent insurance agency, we work for you, not some insurance company, giving you confidence in your decision."

South Carolina Insurance Agencies: Personal, Business, and Auto Coverage Experts

As an Independent Insurance Agent serving all of South Carolina, Insurance Shopping Experts is able to compare coverage and rates from dozens of our partner providers to find you the best rates and save you time and money. Our extensive network of top rated insurance companies allows us to find better rates than if you tried to on your own.

What is an Independent Insurance Agent?

We offer a full range of insurance products to serve your needs. Independent insurance agents are different from captive insurance agents in that we can shop from dozens of different companies to find the best rates. We aren’t tied to one provider so we can make insurance companies compete for your business.

Insurance can be confusing and complicated and we get that. It’s our business to inform you of everything you need to know to have confidence you are making the best decision for you and your family. Insurance isn’t easy but it doesn’t have to be scary either and we are here to make things as simple as possible on your end.

Who Has The Best Insurance Prices In South Carolina?

The price you pay for insurance can be drastically different based on several factors. Insurance companies consider where you live, how much coverage you want, your claims history, age and credit score when pricing your policy. They use these factors to compile a risk profile on you. They then use this risk profile to determine how much you need to pay them based on past loss info in you local area.

The differences in rates and risk factors is why comparing insurance price quotes is so important. If you don’t compare quotes, and have an experienced agent shop your risk you will overpay for insurance coverage. Even worse you may end up with a cheap policy with insufficient coverage or subpar customer service. Having a good insurance agent means we deal with the problems for you when they arise rather than you being stuck on hold with a 800 number representative.

Your risk profile plays a major role when shopping insurance rates. A driver with several incidents (tickets or accidents), or a homeowner with some claims, will pay more and needs a little more time to shop for the best price. There are times when databases may find things that they shouldn't on your record and you need an experienced agent to negotiate with underwriting to remove those items and reduce your insurance rates.

Latest News

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14 Oct 2025

Columbia South Carolina Insurance Guide: Navigate Policies Easily
Did you know? South Carolinians pay nearly 15% less for car insurance on average than the national rate—but many still overpay hundreds per year simply by not understanding state-specific coverage rules. Startling Statistics: Understanding the Columbia South Carolina Insurance Guide Living in Columbia, South Carolina provides unique insurance opportunities and challenges. According to the carolina department of insurance, policy seekers in Columbia face average premiums that differ greatly by policy type and coverage level. For example, car insurance rates in South Carolina hover around $1,250 annually—much lower than the national average—but this figure can shift dramatically based on your driving record and selected insurance coverage. In contrast, homeowners insurance premiums in Columbia often trend higher than in other states due…
Columbia South Carolina Insurance Guide: Navigate Policies Easily
Insurance FAQs Columbia: Answers to Your Top Questions
7 Oct 2025

Insurance FAQs Columbia: Answers to Your Top Questions
Are you ever left wondering if your insurance would really cover an emergency room visit—or confused about the difference between a health insurance card and actual insurance coverage? With so many plan options and rules, knowing what’s best can feel overwhelming. Dive into the most frequently asked insurance FAQs in Columbia and get answers that will simplify your choices, protect your health, and save you money. Are You Confused About Insurance in Columbia? Find Out the Answers That Matter Most "Navigating insurance can be complicated—knowing the right answers can make all the difference in your financial well-being." Insurance is one of the most important aspects of your financial security and well-being, especially when you’re living, working, or studying in Columbia.…
30 Sep 2025

Columbia SC Insurance: How to Get the Best Coverage Today
Did you know that South Carolinians pay some of the highest auto insurance premiums in the Southeast, yet nearly 15% remain uninsured? If you live or do business in Columbia, South Carolina, getting the right Columbia SC insurance is more than just checking a box—it's about future-proofing your life, assets, and peace of mind. Dive into this guide to learn the proactive steps you can take now to secure robust protection for your family, home, vehicle, and business—tailored specifically for the unique risks and opportunities in Columbia. Start Smart: Surprising Facts About Columbia SC Insurance When it comes to insurance in Columbia, SC, most residents are unaware of how local trends, legislation, and economic factors impact their premiums and coverage…
Columbia SC Insurance: How to Get the Best Coverage Today

Testimonials

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I needed coverage removed from 1 vehicle and coverage added to my new vehicle and Keir made it happen immediately. I appreciate the quick turnaround time to satisfy my request.

M Moore Columbia, SC

Quick Quote and professional. Thank you for shopping around for me and making sure I get coverage. I'll be adding my car insurance policy to my renters insurance as soon as it comes up!

P Webber Irmo, SC

I have had insurance with this company for years and the bill just got to expensive for our home in Irmo. I called and they shopped our rate around for a lower price and found it $300 cheaper. Who does this? These guys do! I love this agency!

T Mercer Columbi, SC

If you need insurance in Lexington look no further than this agency. They did all the work and I got all the savings. They took the time to expain the coverages and discounts and it got me more coverage for less.

B Gregory Lexington, SC
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Insurance Shopping Experts
5 days ago
Insurance Shopping Experts

Columbia South Carolina Insurance Guide: Navigate Policies Easily
insuranceshoppingexperts.com/columbia-south-carolina-insurance-guide-navigate-policies-easily/ ... See MoreSee Less

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Columbia South Carolina Insurance Guide: Navigate Policies Easily https://insuranceshoppingexperts.com/columbia-south-carolina-insurance-guide-navigate-policies-easily/
Insurance Shopping Experts
2 weeks ago
Insurance Shopping Experts

Insurance FAQs Columbia: Answers to Your Top Questions
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Insurance FAQs Columbia: Answers to Your Top Questions https://insuranceshoppingexperts.com/insurance-faqs-columbia-answers-to-your-top-questions/
Insurance Shopping Experts
2 weeks ago
Insurance Shopping Experts

Feeling lost in a sea of insurance jargon? Let's make sense of the five most confusing terms:

- Premium: Your regular payment to keep your insurance policy active. Think of it as your insurance subscription.

- Deductible: The amount you pay before your insurance starts covering expenses. It’s your initial cost.

- Coinsurance: This is the percentage you share with your insurance after meeting your deductible. It's the cost-split.

- Copayment (Copay): A fixed amount you pay for certain services, like doctor visits. It's your set contribution.

- Out-of-Pocket Maximum: The maximum amount you pay in a year before insurance covers 100% of expenses. It's your financial safety net.

Understanding these terms can help you make better decisions about your coverage.

Take a minute to review your current policy and see how these apply. You’ll be equipped to make smarter insurance choices. ... See MoreSee Less

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Feeling lost in a sea of insurance jargon? Lets make sense of the five most confusing terms: - Premium: Your regular payment to keep your insurance policy active. Think of it as your insurance subscription. - Deductible: The amount you pay before your insurance starts covering expenses. It’s your initial cost. - Coinsurance: This is the percentage you share with your insurance after meeting your deductible. Its the cost-split. - Copayment (Copay): A fixed amount you pay for certain services, like doctor visits. Its your set contribution. - Out-of-Pocket Maximum: The maximum amount you pay in a year before insurance covers 100% of expenses. Its your financial safety net. Understanding these terms can help you make better decisions about your coverage. Take a minute to review your current policy and see how these apply. You’ll be equipped to make smarter insurance choices.
Insurance Shopping Experts
3 weeks ago
Insurance Shopping Experts

Columbia SC Insurance: How to Get the Best Coverage Today
insuranceshoppingexperts.com/columbia-sc-insurance-how-to-get-the-best-coverage-today/ ... See MoreSee Less

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Columbia SC Insurance: How to Get the Best Coverage Today https://insuranceshoppingexperts.com/columbia-sc-insurance-how-to-get-the-best-coverage-today/
Insurance Shopping Experts
4 weeks ago
Insurance Shopping Experts

Columbia SC Insurance Faqs: What You Need to Know Now
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Columbia SC Insurance Faqs: What You Need to Know Now https://insuranceshoppingexperts.com/columbia-sc-insurance-faqs-what-you-need-to-know-now/
Insurance Shopping Experts
1 month ago
Insurance Shopping Experts

Think your insurance covers every type of water damage? Think again. Too many South Carolina homeowners are living with false confidence.

Here are three myths debunked:

→ **Myth 1: All water damage is covered.** Most policies cover sudden and accidental damage. But flood damage often requires separate insurance. Don't wait for a surprise. Check your policy now.

→ **Myth 2: DIY fixes won't affect claims.** Quick home repairs might save money upfront, but they can complicate claims or reduce payouts. Always document issues and consult professionals when needed.

→ **Myth 3: Mold is always covered.** Mold usually results from maintenance issues like leaks. Policies may cover it if it's from a covered peril. Regular home maintenance checks can prevent costly mold problems.

Ready to take action? Review your current insurance policy today. Ensure you know exactly what's covered, and consider additional coverage if needed to protect your home fully.

Understanding these realities can save you from unexpected expenses. Peace of mind starts with knowledge.

Need help navigating water damage issues? Our experts are here to guide you through every step. Contact us to ensure your home and investment are protected. ... See MoreSee Less

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South Carolina Insurance FAQ's