Car Insurance Quotes – Broker vs Direct

Getting car insurance quotes doesn’t have to be a hassle. As a consumer you are able to benefit from various methods you can use to get the best car insurance quotes.

How can you get car insurance quotes?

  • Through a broker
  • Directly from an insurance provider
  • Through an online comparison website

This article will focus on the benefits offered by choosing a broker or opting for the direct method.

What are the benefits of choosing a broker?

Brokers work as a liaison to help buyers and sellers come together to execute a transaction. A broker works to facilitate a transaction between you and the insurance company.

By choosing a broker you can get the help you need to find the lowest rates possible on your insurance. You get the peace of mind knowing that your broker will negotiate lower premiums on your behalf while also making sure that you are getting the right kind of cover for your needs.

In most cases, a car insurance broker is paid a commission from the car insurance company you decide to purchase your new insurance through. The broker will not get paid from the insurance company unless you actually purchase insurance.

You will need to provide your broker with information such as:

  • The make, model and year of your car
  • Your age and gender
  • Your driving history
  • Your home and work address
  • Your previous claims history
  • Any safety equipment you have fitted into your car

What will you gain by choosing the direct method?

You have the benefit of direct access to an agent. By dealing directly with an agent you may be able to get better discounts.

The agent may be able to work out a better insurance quote for your needs. They may be able to provide you with a quote that is tailored to suit your individual needs. To get help from an agent you can call an insurance company or you can simply visit their website.

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