Should you buy auto insurance from an agent or direct?

If you have been shopping for insurance lately you will notice that most of the large auto insurance carriers including, Allstate, Farmers and The General, are encouraging you to buy direct. In fact, they offer you the ability to go online to purchase your policy right from their website. Purchasing insurance from their website bypasses their agents and in theory offers you a lower rate. If cost is your main concern, then you should purchase your auto insurance this way. To compare direct rates visit this link,

It is important to note that when you file a claim insurance agents do not generally get involved in the process. Direct or captive insurance agents are important for determining your policy requirements or policy questions, renewals, and claim advice for the company that they are employed by. Independent insurance agents are valuable for comparing rates and coverage from the numerous companies that they represent.

Most people are concerned about price and coverage. If you are confident about the coverage you need, then I would recommend going direct. If you’re not confident and don’t want to risk the wrong coverage, then seek the advice of a qualified independent agent.