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UPDATED: Mar 13, 2020
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Many people use the services of an insurance broker when buying home or renter’s insurance, life insurance, and other types of coverage.
You can also use the services of a broker when buying auto insurance, but this is not necessary. In fact, in some cases, it may not be beneficial.
In order to determine if you should use the services of an auto insurance broker when looking for new coverage, you should learn more about what a broker can do for you.
By focusing your attention on these points, you can more easily find the coverage you need today.
Enter your zip code above for a free quote comparison from several car insurance companies at once.
A Closer Look at a Broker’s Role
A car insurance broker is an independent agent who works on your behalf to find a great deal on the coverage you need.
This individual may save you time and effort by reaching out to different providers directly in an attempt to locate the most affordable coverage that meets your specific needs.
You could also shop for car insurance on your own, but you would have to exert the time and effort to do so.
The Extra Service Provided by a Broker
There are some key benefits that drivers can enjoy by choosing to hire a car insurance broker. A broker is a service-oriented professional who often wants to make sure that each driver gets the full benefits from coverage that he or she needs.
This professional is knowledgeable about all auto insurance topics and will spend time answering your questions to ensure that you understand your coverage. For drivers who feel intimidated or uncertain when shopping for auto insurance, this can be a true benefit.
No Cost to Drivers in Most Cases
Auto insurance brokers are usually paid a referral or service fee by the insurance company that you decide to work with. As long as you purchase a policy, they will usually get paid.
This means that brokers generally should provide you with an unbiased opinion about which coverage to buy, and they are not focused on steering you toward buying coverage from a specific provider.
However, different providers may offer different commissions to brokers, and your broker may know which company offers the best rates.
Furthermore, some auto insurance brokers may simply have a better relationship with some providers, so their insight and guidance may not always be fully independent.
Drivers who need to shop around for auto insurance rates should be aware of this possibility when working with an auto insurance broker.
Drivers can save $859/yr* by comparing car insurance
*based on a survey of 1,000 car insurance customers
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Comparison Shopping on Your Own
At one time, using the services of a car insurance broker was one of the fastest and easiest ways to locate the best deal on coverage.
However, the Internet has changed how drivers shop for coverage, and there are now great comparison websites that you can use to gather and compare rates in an efficient manner.
You can also use the Internet to research information about a provider that a broker may not necessarily be focused on.
Two important factors that all drivers should consider are as follows:
- The financial strength of a provider
- The reputation of the provider
When you create a list of the top few providers based on these factors, you can focus your comparison shopping offers to save time with your effort.
Great Ways to Reduce the Cost of Your Car Insurance Premium
Regardless of how you choose to shop around for car insurance rates today, you understandably want to find the most affordable premium available.
There are a few easy steps that you can take to save money on your premium when you use a broker’s services or when you comparison shop online.
Focus on Your Deductible
Your insurance deductible is the money that you pay each time you file a claim, and the deductible amount is typically established at the discretion of the driver.
A standard deductible amount is $500, but you can raise this to $750 or even $1,000 if you want to lower your premium.
This is a simple strategy to save money on your premium, but you should only choose a higher deductible amount if it is affordable for you to do so.
A great broker should help you to review the car insurance discounts that are available through different providers to maximize savings, and some brokers may even be able to steer you to select providers based on their knowledge of discounts.
Each provider has a unique list of discounts and requirements for the discounts. Some of the discounts that are more common include:
- A safe driver discount
- A multiple drivers or multiple policies discount
- A safety equipment or security system discount
- An infrequent driver discount
- A military or senior citizen discount
- A student discount
Pay Your Entire Premium Upfront
Paying your premium in full at the time you purchase the policy may qualify you for savings with some providers because the providers can save money on administrative fees when you do so, and they often will pass this savings onto you in the form of a lower rate.
Remember that the term length can vary, and choosing a shorter term length may make it more affordable to pay the entire premium up-front.
When You Cannot Find Insurance
Some drivers do not qualify for insurance through a traditional provider, and you may get frustrated when you and a broker cannot find the coverage you need to drive legally.
There are some non-traditional coverage options that you can consider. For example, you can join your state assigned risk pool for high-risk drivers or buy high-risk coverage from a specialized provider.
Many drivers shop for new car insurance rates when they buy a new car, but you should also look for new rates through a broker or an online search when you relocate or add drivers to your policy.
In addition, looking for better rates once or twice per year may reduce the chance of you paying more than necessary for your auto insurance.
Compare car insurance quotes right here to find out how much you could save by switching providers. Just enter your zip code below to get started.