Direct Car Insurance

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Here's what you need to know...
  • You always have the option of purchasing auto insurance through a broker or directly from a company
  • Companies sometimes offer lower premiums, but agents are extremely helpful if you need to file a claim
  • Regardless of how you choose to purchase your coverage, be sure to compare rates from multiple companies

When drivers buy direct car insurance, premiums may be lower, or there may be more time involved and no different in rates. Shopping for car insurance takes time.

It is often difficult to know where to start the process of researching car insurance companies.

There are two options for customers when shopping for auto insurance. These are obtaining insurance through an insurance agent and buying directly from an insurance provider.

Buying insurance directly from an insurance company is a relatively new option and has some advantages for insurance customers. There are also some disadvantages to keep in mind when buying auto insurance directly from an insurance company.

Compare car insurance quotes from multiple companies in your area right now!

The Benefits of Direct Car Insurance

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Deciding whether to buy car insurance direct or through a broker is a personal decision. One answer isn’t right for everyone. Consider the following benefits of purchasing coverage directly from a company:

  • Direct Car Insurance Can Save Time – The principal benefit of buying insurance from the company without the assistance of an insurance agency or broker is time. Bypassing a broker and contacting the company directly takes a step out of the process. A customer can usually get a quote in only a few minutes over the phone.
  • Savings Can Be Passed Along Through Lower Premiums – Through investments in technology and a more streamlined process, insurance companies have made the process of writing insurance less expensive. Some companies are willing to pass these savings on to their customers by offering discounts for direct car insurance policies.
  • Ease of Policy Processing and Document Access – When customers buy directly from an insurance company, they are usually given access to policy documents online as well as the ability to quote or execute minor policy changes via the internet.

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The Disadvantages of Direct Car Insurance

There are also some disadvantages to purchasing direct car insurance. This includes:

  • Agents Have Access to More Insurance Companies – Many companies still only offer their insurance through licensed agents. An insurance agent will know which insurance companies are able to write the most economical insurance policy for a customer’s unique situation.
  • Agents Save Customers Time when Comparison Shopping – When a customer uses direct car insurance companies for quotes, they are required to complete several insurance applications. If a customer needs more than a few quotes, this process can really eat up a lot of time.
  • Agents Assist Customers in Filing and Completing Claims – An insurance agent will act as an advocate and assistant when it is necessary to file a claim. Claims adjusters are often busy and may not always be available to answer questions that customers may have.

Comparing Direct Car Insurance Quotes and Online Offers

Whether getting quotes online or in the office, car insurance customers have many choices available to them.

Large national direct car insurance companies make their insurance products available with one short phone call or a visit to a website; however, only through comparison shopping can customers find the best deal on their car insurance.

Using an insurance agency for makes the process of comparison shopping a lot easier for customers as the agency is doing all of the work.

Enter your zip code below to access car insurance rates in your area today!

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

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