Can I Buy Car Insurance without an Insurance Agent?

Not long ago I had a rather lengthy argument with a man in his fifties about my car insurance. He swore up and down that you absolutely could not buy car insurance without an agent. "You have to have an agent,' he criticized, "That's the only way that you can sign for it.' This conversation opened my eyes entirely about how many insurance agents are representing the internet based car insurance industry. My friend was going on two basic principles, one of which was history, since in the life of anyone over fifty, the internet is still a relatively new way of doing business. More importantly, he was simply arguing the basic facts that he was given by his insurance agent. Thus, it makes me wonder how many people are out there buying insurance through their insurance agent because they don't believe that they can get it any other way.

Well, the truth be told, you are still going through an agent when you purchase car insurance without an insurance agent in the traditional way. When you deal with any of the online insurance companies, you are still dealing with an insurance agent. But you are dealing with an insurance agent that isn't there in the same traditional roles. This means that you also aren't supporting their commissions in the same way, either, which is one of the biggest reasons that we turn to the internet based insurance businesses.

The unfortunate part about this whole conversation is that there are many people who subscribe to this way of thinking. If you like your insurance agent and you like that your kids and his or her kids go to the same school and you want to keep them, that's fine. But there is a huge difference between choosing to maintain an insurance agent and believing that you can't buy car insurance without an insurance agent. Knowing your options and making choices based on what is best for you is your right and privilege.

Buying car insurance without an insurance agent is easy, saves time, saves money, and is still loaded with choices to help get you the right car insurance policy for you. Online car insurance doesn't come in a one size fits all package, but it is still tailored to your needs and still covers the same incidents as your old car insurance. In almost every case you can still get the exact same policy, you are just getting it for less money through another company. Buying car insurance without an agent is actually becoming the most popular way to buy it. Since the average driver maintains enough car insurance to cover replacement in the event of an accident along with their chosen deductible, the rates go down while the quality remains the same or improves. If you haven't checked out buying car insurance without an insurance agent, why not do so and see if you can save yourself a little (or a lot) of money? We all can use a little help saving money where we can.