Ways To Shop And Find A Car Insurance Agency

Car Insurance Agency

There are a few different way you can purchase your auto insurance policy these days. Each method provides different benefits to a consumer. Just remember, finding the lowest car insurance rates should not be the only factor in your decision.

A consumer can purchase their car insurance from an insurance company agent. Many of the larger carriers employ agents who work out of small offices all over the country. These agents are commissioned sales people. Many people like the benefit of being able to talk to a familiar voice when they have a question about their policy, a bill, renewal, or when seeking advice on filing their claim. These agents will often take the time to make outbound calls to customers to let them know about new discounts or policy riders that can offer a savings to the customers.

Auto insurance can also be purchased through an independent agent. These are often referred to as an insurance broker or agency. The independent agent will represent a number of different insurance providers. Most people purchase their auto insurance through an independent agent. The benefit provided by an independent agent is that they can do your shopping for you, and match you up with the best policy that meets your insurance needs.

With the growth of the internet also came the growth of online insurance brokers. Many local independent agents took their business online. Larger national brokers offer insurance comparison shopping and other services onine. The primary advantage of these online brokers is they allow you to quickly get free quotes and compare premiums from different companies all at the same time, often in as little as 5-10 minutes.

A shopper can also purchase their auto insurance directly from an insurance provider. This was difficult and time consuming to do until the internet. Because the insurance company is not paying a commissioned agent, you can sometimes find lower rates this way.