Consult www.247QUoteUS.COM for competitive quotes, insurance buying tips, and a local insurance agent finder.
Buy Direct, or not direct? With the proliferation of auto insurance companies that let you buy auto insurance right over the net, or by calling the insurance company, many consumers are skipping the insurance agent altogether!
But can you really save money buy calling Essurance, Progressive, etc. for a car insurance quote. Or would you be better off by calling your Allstate, Farmer's, etc. agent over the phone.
Well I think it just depends. I am not convinced that buying insurance over the net is cheaper at all. Actually a qualified and experienced agent can uncover discounts, like a home/car discount, that you may not see by just getting a quote from one company that just specializes in car insurance on the internet. And from my experience, the price for a car insurance policy is the price. It doesn't change if an agent that you see gets a commission, because no matter how you buy insurance, SOMEBODY IS GETTING A COMMISSION!
Of course, I think the best combination is to gather information on the internet, and then take the information to an insurance agent. You already have an idea how much insurance should cost, what kind of coverage you seek, etc. Then the agent can try to come up with a policy that meets or beats your expectations.
You get the personal service of an insurance agent while making sure you know what your options are from various companies. That's pretty much what this article in CNN money says - Shop Online - But I say, Shop Online, but Buy from an agent.
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