How To Shop For Auto Insurance

October 2, 2020

Auto insurance is one of those things that you can’t go without having. Since at any point either you or another driver can cause an accident, you need to make sure you’re covered. There are big penalties in most states for not carrying at least the minimum requirement of health insurance.

Whether you’re looking to get your auto insurance online, on the phone, or through an agent – it’s important to price shop and get quotes.

If you’re wondering how to start your auto insurance journey, stick around.

Buying online or over the phone

Thanks to the world of technology and convienence, most things can be done online now. Same goes with auto insurance – there’s no need to find an agent or broker. While you do have the option to seek out an agent in person, now you can also get a quote online or speak to an agent over the phone, right from your couch.

When you get a quote from online, you can see policy options and if you need to, you can pause and resume at your leisure. What’s nice about this avenue is there is no agent upsetting you or putting pressure on your decision. All you have to do is enter your information. You can get quotes from insurers websites or through a third-party comparison website (like us!).

If convenience is a top priority to you, then this is a great way to get a quote and coverage as quickly as possible. With this, you can also arrange and manage your policy on your own terms.

If you have a pretty good understanding of auto insurance then this is a great option for you, however, understand that you won’t have detailed responses as you would if you were sitting face to face with an agent.

Buying from a captive agent

This was once the customary and only way to buy coverage. Captive agents work exclusively for a single insurance company (All State, Farmers, State Farm, etc) and are your main point of contact from the day you buy your policy. These agents work on a commission and earn a percentage of your premium when they sell you a policy.

If you don’t quite know what you need and want, speaking directly with a captive agent will help guide you through options in person. If you are looking with familiarity and a long-lasting relationship with your insurer, this is also a good and personal way to do so.

However, if you’re looking for more options, captive agents are limited in the prices and policy features they can offer – which might be a good reason not to work with one. Since agents are paid commission based off of your premium, they prices they offer might be pricer. It’s also good to keep in mind that they will not help you compare their policies to other companies.

Never neglect getting quotes often

We recommend getting auto insurance quotes twice a year. Your circumstances change and you could be missing out on a cheaper premium. If you’re tired of overpaying for auto insurance, use our online quote calculator below to see what you could be paying.

Quick Money Savings Tip For Safe Drivers

There are dozens of auto insurers – Which one will give you the best rate?

Step 1) Choose your vehicle make below.
Step 2) On the next page, complete the 4 minute questionnaire, and you'll have the opportunity compare the best rates in your area.
Step 3) Keep more money and possibly save hundreds!

1 Choose a make for potential car insurance discounts:

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