Are All Auto Insurance Agents The Same?
To get the best deal on state or California auto insurance, many people consult an insurance agent or broker. But, did you know that there are different kinds of insurance agents and brokers? The one you choose can make a big difference in the type of service you get and the choices you’re offered.
Here’s the difference:
Captive agents and brokers. Captive agents work with a specific state or California auto insurance company. As part of their business agreement with that company, they offer only that company’s insurance products. They may also be required to sell other products from that company, such as annuities and investment plans.
Independent agents and brokers. Independent agents and brokers can offer products from many state or California auto insurance companies. They can review multiple options to find a policy and rate that’s right for you. State or California auto insurance rates vary from company to company. Independent agents can put together a customized auto insurance plan.
When you’re ready to contact an independent state or California auto insurance agent to talk about saving money on your auto insurance, here are a few things to consider:
- Has your life situation changed recently? Many factors determine state or California auto insurance rates, not just vehicle year, make, model, body type and engine size. If you’ve recently moved, gotten married, had a birthday, or experienced a similar life milestone, mention this to an independent agent or broker. You may be eligible to save money on your auto insurance.
- Is your car getting older? Older cars often don't require the same level of physical damage coverage as newer ones. If you drive an older car, an independent state or California auto insurance agent or broker can advise you on which coverage makes the most sense. Raising your deductible can save you money each year, too.
- Do you need coverage for another type of vehicle? If you have a motorcycle, boat, RV, or other motorized “toy", you could save money by covering with the same company that insures your car. Talk to an independent state or California auto insurance agent or broker about it.
Another plus to working with an independent state or California auto insurance agent or broker is that they can offer guidance for all your insurance needs—auto, home, life, business, and more. They can customize a package of policies just for you.
To learn more or to find an independent state or California auto insurance agent or broker, visit www.Direct Choice Insurance .com
Did You Know?
Unlike captive agents, independent state or California car insurance agents and brokers can offer products from many insurance companies. This helps them better serve your interests, as they can review multiple options to find a policy and rate that’s right for you.