Car Insurance Agents: Will They Get You the Best Rate?

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(Free-Press-Release.com) September 16, 2009 -- In the past, the only way to get car coverage was through a car insurance agent. The agent would act as a salesperson and a consultant, guiding you through your options and discussing different pricings and coverage policies for your car, truck or motorcycle. A skillful, professional agent could often save you money by steering your towards special discounts and getting you only the coverage you need. However, there are some details about how car insurance agents operate that may be important to you when deciding how to find your next car insurance plan.

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Car Insurance Agents: Will They Get You the Best Rate?

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There are two main types of car insurance agents: a captive car insurance agent and an independent agent. Captive agents work for one company only, such as State Farm or AllState. While captive auto insurance agents can help you find the best plan within the company’s offerings, they won’t be able to show you information about or compare rates with their competitors (and they wouldn’t, if they could). An independent agent, on the other hand, is more like a car insurance broker. He or she has connections with several different insurers and can find you the lowest prices among them.

Both types of agents have their own obvious pros and cons. On the one hand, an independent agent will give you a more comprehensive view of your choices, which can be helpful when looking for cheap car insurance. Captive agents, however, will likely have greater access to special promotions for their agency and will have a deeper understanding of the terms and conditions. They can also be held accountable if you have an issue, whereas a broker has no real formal ties to the issuer she or he eventually puts you in touch with.

The best method for finding an excellent rate for car coverage plans is to combine both models. Thanks to car insurance comparison tools available on the Web, you can easily identify all the local car insurance providers in your area and get the inclusive view that an independent agent would give you. Once you find a company in your area, you can get a quote instantly and request that an agent contact you directly. This can mean scheduling a face-to-face appointment or finishing your transaction on the phone. During your consult, you’ll be able to better explain your situation and discuss your pricing options. By beginning with a wide focus and then speaking with car insurance agents directly, you can be guaranteed you find the best deal possible without ruling out any of the competition.

More information can be found online at http://www.localcarinsurance.net

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