Life Insurance and Retirement
Written by webtechs

How to Get Car Insurance

It is always a good idea to shop around before purchasing car insurance. Let’s look at some of the ways you can go about this. Read on to learn more.

Obtaining Quotes

Here are the most popular ways to obtain a quote:

  • Direct Auto Insurance, via phone or online
  • Auto Insurance from a captive agent
  • Auto insurance from a broker or independent agent

Direct Auto Insurance Via Phone Or Online

This is ideal when you want shopping experience that is not fill of pressure and gives you the freedom to manage your own policy. This is especially the case if you have an elementary understanding of how auto insurance operates, and it is convenient to get quotes from many different places. Conversely, you may not get answered to complex queries and online quotes are not always guaranteed. You will also need to share personal information.

Auto Insurance From A Captive Agent

Captive as in the agent represents just one agency is great if you need someone to show you through your choices and you need to manage more than one policy and get some additional coverage. You can also have a longer lasting relationship with the insurer. On the downside, price and the structure of policies may be limited, the agent may want to get you locked into more expensive policies as they have a greater commission rate, and this can lead to a lack of customer satisfaction.

Auto Insurance From A Broker Or Independent Agent

This is a great option if you need the complexities of insurance explained to you and as brokers deal with many companies, they have greater knowledge of contract details and regulations as well as offering coverage and price flexibility. This helps to avoid upsells but there is often a brokerage fee.

Auto Insurance Quotes

From offering liability protection to you and your family to helping you get reimbursed for personal property damage, auto insurance provides many types of coverage. Learn more about Auto Insurance Coverage or get a free auto insurance quote from Klimes Insurance today.

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