The bonus to getting car insurance through a direct market company is the convenience, which is quite possibly the reason it’s so popular. Many insurance companies offer free quotes for coverage that a person can get in a short phone call or by spending a few minutes on the Internet typing in important information. Coverage can often be purchased online, and some insurance companies provide rate quotes for a handful of other insurance providers at the same time to give clients more options and comparison.
To find an agent in your neighborhood, check the phone book’s yellow pages or ask your friends and neighbors about local agents with good reputations. Avoid insurance providers who ask you to buy unnecessary coverage. With an agent, you get to work one-one-one with a certified insurance consultant who will try to find the best possible coverage to suit your needs at your budget. Also with an agent, when you have a claim to file you are able to deal directly with your agent about that claim. Basically, if there are any problems that develop, you have a person to go to instead of just calling a 1-800 number or logging onto a website.
To save money when buying car insurance, make sure to shop around and get as many insurance quotes as you can from as many different providers as possible. Second, get the highest deductible that you feel comfortable with, because the higher the deductible, the lower your premium and monthly payments will be. Many insurance companies offer multicar discounts, better rates for good drivers, and discounts for safety features like air bags, so that’s something else to keep in mind.