Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

Full Bio →

Written by

Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

Full Bio →

Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Mar 13, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right cheap car insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Car insurance comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

In a nutshell...

  • Direct car insurance is when you buy car insurance from an auto insurance company that bypasses a car insurance broker
  • Practically all car insurance companies offer car insurance coverage direct
  • Direct car insurance will never entirely replace the market for local car insurance agents

This depends on who you speak with, but mostly direct car insurance is when you buy car insurance from an auto insurance company direct bypassing any car insurance broker.

But how does it differ from traditional car insurance, or does it? Enter your zip code above to get FREE car insurance quotes today!

Is Direct Auto Insurance popular?

As the internet has grown in usage and more and more consumers leverage the comparison power of the internet to compare car insurance companies.

Gone are the days when market share is determined by how many drivers a company can get to walk in an agent’s door or convince car insurance brokers to send customers their way.

Drivers are now flooding to car insurance comparison websites and visiting car insurance companies directly to learn about coverage and compare auto insurance rates.

Compare Cheap Car Insurance Quotes

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

Is direct car insurance different than standard coverage?

Direct car insurance will never entirely replace the market for local car insurance agents.

It may not be too long until all car insurance is offered online and agents naturally become customer service reps handling policy claims.

Whatever the future is for direct auto insurance it is more popular than ever before and a much more convenient way to purchase auto insurance.

Who offers Direct Car Insurance?

Practically all car insurance companies offer car insurance coverage direct. In fact, one of the largest advertising budgets in the world belong to car insurance companies with the top 2 providers spending over $1 billion annually.

Almost anytime you end up at the homepage of a car insurance company’s website you can purchase a policy or call their toll free number and buy coverage over the phone.

With the cost of traditional media increasing and the poor tracking ability of how well TV, radio, and newspapers advertising converts we will see more and more car insurance companies shift advertising dollars online.

There indeed are some consumers who still prefer to deal with brokers and shop around, but with the amount of information online it only takes a few moments to compare car insurance.

Enter your zip code below to get FREE car insurance quotes today!

References:

  1. https://www.thebalance.com/google-compare-for-auto-insurance-shut-down-in-march-3885468
  2. https://www.esurance.com/insurance/car/coverage
  3. https://www.allstate.com/auto-insurance/coverage-policies.aspx