Reasons To Buy Auto Insurance Through Direct Car Insurance Providers

Direct Car Insurance Providers Defined

First, let’s make sure you understand what direct car insurance providers are, exactly.

Direct providers are companies that sell insurance to you―the customer―directly. Examples include companies like Geico and Progressive.

Other insurance companies sell coverage through insurance agents. A few biggies in this category include companies like State Farm and Nationwide. Chances are you’ve passed these agencies’ brick-and-mortar offices in your own town, and if so, you’ve probably noticed an insurance agent’s name tacked on the sign outside.

So, what makes direct car insurance providers better than all the others?

Pros of Purchasing Auto Insurance Through a Direct Provider

Well, they’re not necessarily better, but direct insurance providers do provide some perks if you purchase your auto insurance policy with them.

1) Shop Completely Online

You don’t have to figure out at what point during a day full of work, business lunches, doctor’s appointments, and cheerleading practice you’ll be able to stop by your local insurance agent’s office and buy coverage.

You can handle everything online―when you have time―and this generally includes updating your policy and filing auto claims.

2) More Management Options

You generally have more options regarding how you manage your policy. Such options include online access to your account and E-mail, telephone, and snail mail access with the company.

3) 24/7 Assistance

You can find assistance 24/7. That’s right. Even if it’s 1:32 a.m. on a Monday morning and the kids will be waking up in a few hours to see what Santa left them, you can still access assistance regarding your auto insurance policy.

You can’t do that through agents. They’re usually at home, putting the presents under the tree.

4) Direct Communication

When you purchase coverage through a direct insurance company, you deal directly with the insurance company. You don’t have to go through an agent, who may set your paperwork aside or have to unload some of his work on a new hire or is currently on vacation.

5) Competitive Rates

Overall, direct insurance providers tend to offer the most competitive rates and largest variety of auto insurance discounts. Plus, you can view these rates and a full list of discounts on the provider’s website, rather than ask an insurance agent about them and hope you get the whole story.

This doesn’t mean you shouldn’t shop around and compare rates with many different providers, but it does mean that chances are high you’ll find lower rates with a direct provider.

Want a More Personal Experience?

Purchasing coverage through direct car insurance providers doesn’t mean you have to give up human contact. Most direct providers have agents in place throughout the nation and, depending on where you live, you can conduct face-to-face transactions if you so choose.