Advantages to Using a Car Insurance Broker

Online car insurance brokers help you find car insurance companies with reasonable rates and coverage. However, comparison shopping with our free tool below is easy and can save you up to 20%.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 27, 2021

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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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Here's what you need to know...

  • Insurance brokers are able to find coverage quickly and easily, saving you time and energy
  • Online brokers are the best, as they only require information from you once before finding multiple quotes from different insurance companies
  • Brokers will want to know your driving history and specifics about the car you plan to insure

A car insurance broker offers a valuable service to people who are seeking car insurance. They are familiar with a large number of car insurance companies and the products that they sell.

Brokers know which car insurance companies will offer the best rates for each demographic.

Because of their extensive knowledge, they can match their clients with the car insurance companies that can give them the best deals very quickly.

You will receive FREE car insurance quotes from multiple companies when you enter your zip code in our comparison tool above!

An Online Car Insurance Broker Is Fast and Convenient

Car insurance brokers on the Internet can perform their duties faster than the individual can because their websites are equipped to take information from the applicants and send it to the appropriate car insurance companies in minutes.

These applicants conveniently receive their several car insurance quotes right in front of them on their computer screens when they take advantage of this service.

The speed with which people can receive their car insurance quotes from a broker is what makes an online car insurance broker so necessary.

In order to obtain a quote on their own, people need to go to each car insurance company’s website to ask for a quote individually. This process can take a lot of time out of each person’s day.

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Seeking Car Insurance Quotes Individually Is Highly Time-Consuming

Some people do not like to spend a lot of time online searching for things.

These people need a car insurance broker even more because the alternative is to call the car insurance company and speak to a representative. They will then need to repeat their information several times.

They will obtain several quotes for car insurance, but it is the most time-consuming way of doing so.

The online car insurance broker will only require them to enter their information once, and it will be sent to the several car insurance companies that will return a quick quote to them.

An Online Car Insurance Broker Knows Which Companies to Approach

Another disadvantage of performing this duty themselves is the fact that these people do not know which car insurance companies have the most reasonable rates for them.

They may only encounter car insurance companies that will charge high rates. Car insurance brokers will take them directly to the companies that have good rates for them so they can bypass those that will charge more for insurance premiums.

Online Car Insurance Brokers Find Reasonable Rates for the Hard-To-Insure

Those who are in hard-to-insure demographics need car insurance brokers more than most.

Car insurance companies will offer reasonable rates to those who have a DUI or have caused more than one accident, but high-risk quotes are hard to find.

A car insurance broker will be able to find these companies for the hard-to-insure in a couple of minutes.

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Affordable Rates for Teenagers Are Possible from a Car Insurance Broker

When parents need to add teenage drivers to their policies, they discover that their rates will increase much more than they would like.

These people may be able to find a policy just for their teens that will have a lower rate, or they can find a company that can offer the entire family an affordable policy much more easily with the help of a car insurance broker.

Online Car Insurance Brokers Find Discounts

Making car insurance affordable often means that people need a car insurance company that can offer them the right discounts.

Some people own vehicles with the latest safety features, such as traction control and all-wheel drive.

Passive restraints and the global positioning system (GPS) also impress some car insurance companies.

A car insurance broker can take the information about a client’s vehicle and find the car insurance company that offers the most discounts out of the long list of car insurance discounts.

If the driver would rather do this work on his or her own, they would need to remember to ask each car insurance company if they have discounts for these features one by one.

Online Car Insurance Brokers Increase the Competition

A very important reason that people need to obtain the services of an online car insurance broker is the fact that car insurance companies represented by brokers know that they have a significant amount of competition.

The reason that using a broker works so well is because they can offer more than one quote for auto insurance, and these companies know that they will need to put forth the best quotes they can possibly propose.

When people are calling an insurance company one-on-one, the car insurance company does not have to consider the fact that the potential client has the opportunity to obtain a quote from another company, and they are not necessarily going to offer the lowest quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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Make Car Insurance Companies Compete for Your Business

Fortunately, people on this particular website do not have to go anywhere to find a car insurance broker.

On this website, there is a comparison feature that only requires a zip code for you to get started finding the most affordable car insurance quotes possible for FREE.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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