3 Different Places You Can Get Car Insurance Quotes

Insurance Blog

If you are looking to save some money on your car insurance, getting quotes from multiple providers is one way to do so. When it comes to getting quotes, you can get them online, with a captive insurance agent, or an independent agent or broker. There are some benefits and drawbacks to getting insurance quotes from all three sources; it is up to you to determine which source will work best for you.

#1: Online

When it comes to getting multiple quotes from these companies, many people enjoy getting quotes online. Most companies offer free online quotes, and some companies specialize in helping you get quotes from multiple insurance providers at once.

Getting a quote online is a convenient and low-pressure way to gather information. You can get information about premium rates from multiple companies at the same time. You can often adjust policy details in real-time to see how that will change the prices.

However, it is important to keep in mind that the quote you see online may not be the final quote you will get once you directly contact the insurance company. Websites also can't provide you with the depth of information you will get from talking with an agent directly. Finally, you will likely get follow-up calls or emails since you have shared your contact information to obtain the quotes.

#2: Captive Insurance Agent

A captive agent is an insurance agent who works for a specific company. They will be able to talk with you and determine the type of coverage you need based on your specific needs. If you have complex needs, working directly with a captive agent can help you access the most detailed and accurate quote.

When working with a captive agent, you need to keep in mind that you are only getting information about one company's ability to offer you insurance. You will need to talk to multiple captive insurance agents to get multiple quotes that you can compare. A captive agent may also earn a commission, and therefore be more likely to upsell your coverage that could increase your premium. 

#3: Independent Agent

Finally, you can talk with an independent agent or broker. These people don't represent just one insurance company; instead, they represent multiple insurance companies. They can provide you with quotes from various companies while also talking with you and getting to know your specific needs. They can also explain the difference to you between the policies offered by different companies, thus helping you with the comparison process. It is important to keep in mind that independent brokers and agents are not completely neutral parties; they earn a commission for their work, and brokers often charge a fee for assisting you.

If you want affordable insurance, you can and should shop around and compare rates. Contact services that provide auto insurance coverage to learn more. 


14 October 2020

Preparing for the Future

Ten years ago, I married my best friend in a beautiful, intimate ceremony. My husband and I have been nearly inseparable and we’ve enjoyed this special time in our lives where it has been just the two of us. However, we’re finally ready to have a baby. Because I only work part-time, my husband is the primary financial provider in the family. If something ever happened to him, I wouldn’t be able to instantly support myself and a child. Because my husband worries about an uncertain future, he is considering purchasing a larger life insurance policy. On this blog, I hope you will discover the best types of life insurance policies for young parents to invest in. Enjoy!