It is easy to buy your own car insurance online these days. You can even print out that all-important proof of insurance card right away, no waiting for them to arrive in the mail. Yet millions of American car owners still choose to work with an independent insurance broker, usually the same guy or gal they have dealt with for years. Why would they bother?
There are actually a number of reasons why it is still a good idea to work with a good insurance broker when you are buying -or renewing – your auto insurance policy. One is of courses to save time. Do you really have the several hours it is going to take to compare quotes from the dozens of firms offering vehicle insurance in your area? Probably not, but your independent car insurance broker does.
Another reason to work with an established car insurance broker is to make use of all the contacts they have built up over the years. They can get usually get past the front line customer service person and speak to someone who really does have the power to authorize a better policy premium.
Lastly a broker understands all those insurance speak terms that you may not. They are going to get a commission no matter which company you eventually decide to go with so they have little reason to steer you towards a policy that is simply not suited to your needs and driving habits (plus they rely upon the goodwill of a satisfied, and hopefully returning) customer.
If working with a broker sounds like a good idea to you too then make sure you find a reliable and respected one. Ask your friends, your family and/or your colleagues who they use. You may find they can refer you to just the right one.