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Updated: May 27, 2019

Once upon a time in the not too distant past, car insurance was not an obligation; if you wanted it, you go for it. If not, all’s well and good. However, times have changed, and if you own a vehicle, then one of the most crucial things in your life at this moment is an auto coverage policy. No matter how modest or luxurious your car is, you need proper coverage.

The way people purchase insurance has also changed; in the past, all you needed to do is to walk to your neighborhood agent’s office and ask for it. But nowadays, there are several options available to you, thereby making it easier to get your car insured.

Which method should I choose when buying my car insurance?

The numerous options that are open to you when you want car insurance may be a little too much to sort out. But it doesn’t have to be that way. All you need to do is to focus on these:

• Buy your car insurance from a reliable captive agent

• Buy the car insurance from independent agents

• Buy the insurance online

Of course, if you prefer to go the “old school” way in the form of a face-to-face encounter, you can buy your car insurance from an agent. But there are different agents out there with different motives; you need to decide on which one is the most qualified to transact with.

Here's a more in-depth look at these options:

Buying Your Car Insurance from a Captive Agent

If you are loyal to a particular insurance firm, the best individuals to deal with are captive agents. They deal with only one firm or company and are, therefore, highly knowledgeable about the numerous insurance options offered by the firm.

They are also proficient enough to assist you in choosing the right insurance package for you, based on your specific needs. Captive agents are dedicated as they will pay more attention to you and answer any questions you may have regarding car insurance. The same cannot be said of independent agents, however.

Buying Your Car from Independent Agents

If you need to find out the numerous or different insurance packages offered by different companies, then independent agents are your best bet. They work with various insurance companies for a commission and can provide you with different and better rates as well.

Since they don’t work for one particular company, independent agents will help you find the best coverage for your car that is within your budget. But remember; they work to earn commissions and are therefore under pressure to close as many deals as they can within a specific time frame

Buy Your Car Insurance Online

You can skip all these insurance agents altogether and go online to find the best car insurance company out there. This means you will be working directly with the company and most of the work will be done by you.

You have to carry out in-depth research to find the best coverage providers, their offers, rates of their insurance, what their policies cover, etc.

Afterwards, you can get in touch with the company that fits your needs to obtain the coverage itself.


When you take the time to shop around for the best car insurance coverage that fits your needs, you will end up saving a lot of money down the road.

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