Menu

Car Insurance Matters


About Me

Car Insurance Matters

I still remember the day that I drove off of that used car lot with my first car. In my excitement to show off my new ride to my friends, I smashed my car into a telephone pole. Although I can laugh about the accident now, it was devastating at the time. In addition to completely destroying my reputation, I also had to deal with the expenses that were involved with the wreck. Unfortunately, I hadn't purchased car insurance, so I had to foot the repair bills on my own. After getting my car fixed and thinking about my actions, it was very clear to me that I needed to invest in a car insurance policy. I decided to learn as much as I could about insurance, and that is one of the reasons that I decided to become an insurance agent.

Latest Posts

3 Things To Consider When Purchasing Homeowner's Insurance
28 February 2017

Are you about to purchase your first home? Has the

Want To Choose The Right Auto Insurance Carrier?
30 January 2017

Many people have their own strategies for research

Situations Where You Should Not Be Reducing Your Car Insurance Coverage
23 January 2017

Most people want to reduce their car insurance cos

Tips For Saving On Insurance When House Shopping
12 October 2016

Shopping for a home can be extremely exciting and

Three Common Questions About Auto Insurance
27 September 2016

Driving a car can be one of the riskiest tasks tha

Direct Seller, National Brand And Independent Agent: Choosing Where To Buy Auto Insurance

If you are buying car insurance for the first time, you have three types of vendors from which to choose. These are the direct sellers, the independent agents, and the large national brands. All of them have unique features that make them suitable for different types of drivers. Here is an overview of three types of motorists, and which party they should approach for insurance:

Excellent Motorists

If you are an excellent driver with an impeccable driving history, then you should look for a no-frills insurer that targets people like you. By and large, direct sellers are the ones that target the best drivers as their customers.

Just like the name suggests, direct sellers sell their coverage directly to motorists. They don't use traditional insurance agents; when you want to buy coverage, you deal directly with a company representative. The main advantage of this format is that they don't set aside some of their profits as commissions to agents, and they can pass off this benefit to their clients in the form of competitive rates.

Average Motorists

As an average motorist, you don't have a stellar driving history, but your past infractions aren't too serious either. A typical average motorist has a few speeding tickets in their past, but not driving under the influence (DUI) convictions.

By most accounts, large national brands are the best insurers for covering motorists with not-so-perfect driving histories. These insurers deal with agents, but each agent works exclusively for a particular insurance firm. When you present the agent with the necessary data, they evaluate it and determine your rates. You need to contact different agents if you want rate comparisons from different companies.

Risky Motorists

To an auto insurer, a risky motorist isn't necessarily the worst driver on the road; they just have something that affects their ability to get coverage or get it a fair price. For example, you are a risky client if you are the head of a household (an average motorist) but have a teenage driver in the house. Since teenage drivers attract some of the highest rates in the industry, your rates are likely to be sky high.

If you are in such a position, your best bet is to deal with an independent insurance agent. An independent agent sells insurance from all kinds of insurers. They have the inside information on the industry, understand which companies offer the best discounts, and can help you customize the right coverage for a reasonable rate.

For more information, contact Matt Roenker Insurance Agency or a similar company.