Direct Car Insurance

Direct car insurance policies bypass the help of a broker in favor of lower rates straight from the company. If you purchase direct car insurance, use our comparison tool to find the lowest rates.

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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: Jun 12, 2020

Advertiser Disclosure

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

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.

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

Here's what you need to know...

  • You always have the option of purchasing auto insurance through a broker or directly from a company
  • Companies sometimes offer lower premiums, but agents are extremely helpful if you need to file a claim
  • Regardless of how you choose to purchase your coverage, be sure to compare rates from multiple companies

When drivers buy direct car insurance, premiums may be lower, or there may be more time involved and no different in rates. Shopping for car insurance takes time.

It is often difficult to know where to start the process of researching car insurance companies.

There are two options for customers when shopping for auto insurance. These are obtaining insurance through an insurance agent and buying directly from an insurance provider.

Buying insurance directly from an insurance company is a relatively new option and has some advantages for insurance customers. There are also some disadvantages to keep in mind when buying auto insurance directly from an insurance company.

Compare car insurance quotes from multiple companies in your area right now!

The Benefits of Direct Car Insurance

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Deciding whether to buy car insurance direct or through a broker is a personal decision. One answer isn’t right for everyone. Consider the following benefits of purchasing coverage directly from a company:

  • Direct Car Insurance Can Save Time – The principal benefit of buying insurance from the company without the assistance of an insurance agency or broker is time. Bypassing a broker and contacting the company directly takes a step out of the process. A customer can usually get a quote in only a few minutes over the phone.
  • Savings Can Be Passed Along Through Lower Premiums – Through investments in technology and a more streamlined process, insurance companies have made the process of writing insurance less expensive. Some companies are willing to pass these savings on to their customers by offering discounts for direct car insurance policies.
  • Ease of Policy Processing and Document Access – When customers buy directly from an insurance company, they are usually given access to policy documents online as well as the ability to quote or execute minor policy changes via the internet.

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

The Disadvantages of Direct Car Insurance

There are also some disadvantages to purchasing direct car insurance. This includes:

  • Agents Have Access to More Insurance Companies – Many companies still only offer their insurance through licensed agents. An insurance agent will know which insurance companies are able to write the most economical insurance policy for a customer’s unique situation.
  • Agents Save Customers Time when Comparison Shopping – When a customer uses direct car insurance companies for quotes, they are required to complete several insurance applications. If a customer needs more than a few quotes, this process can really eat up a lot of time.
  • Agents Assist Customers in Filing and Completing Claims – An insurance agent will act as an advocate and assistant when it is necessary to file a claim. Claims adjusters are often busy and may not always be available to answer questions that customers may have.

Comparing Direct Car Insurance Quotes and Online Offers

Whether getting quotes online or in the office, car insurance customers have many choices available to them.

Large national direct car insurance companies make their insurance products available with one short phone call or a visit to a website; however, only through comparison shopping can customers find the best deal on their car insurance.

Using an insurance agency for makes the process of comparison shopping a lot easier for customers as the agency is doing all of the work.

Enter your zip code below to access car insurance rates in your area today!

Free Car Insurance Comparison

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

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Average Monthly Car Insurance Rates by State