Car Insurance Broker and Discounts

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Here's what you need to know...

Shopping for car insurance on your own can be a drain on your time and energy. To get the best deal on your car insurance, you want to shop with multiple car insurance companies to get different rate quotes.

However, gathering together even a single quote directly from a car insurer can take twenty or thirty minutes of your time.

With this in mind, you may be looking at alternative ways to gather those quotes together. You may consider using a rate comparison website online to compare a few different quotes.

However, a car insurance broker may also offer you an easy way to gather quotes. So what is a discount car insurance broker?

Enter your zip code in our free comparison tool above to compare car insurance quotes.

The Role of a Car Insurance Broker


A car insurance representative is an agent who is employed by a specific car insurance company. If you call a car insurance representative for an insurance quote, you will receive a single quote from that particular company.

A car insurance broker, on the other hand, is an independent agent who works to gather quotes together on your behalf.

The broker is not obligated to get a quote from any particular company. Instead of funneling new leads and business to one company, he or she will shop around to find you the best rate possible on your car insurance.

How a Broker Gets Paid


When you choose to work with a car insurance broker, you are under no obligation to pay a broker at all. There typically are not any up-front fees associated with making use of this service.

Even after the car insurance broker has spent his or her valuable time shopping around for quotes on your behalf, you are not obligated to accept one of the quotes the broker provided to you.

A broker ultimatelycompany you choose to work with.

If you choose not to accept one of the quotes, the insurance broker does not get paid. Because of this, the broker has a significant incentive to find the lowest rate possible and to find coverage that is acceptable to you.

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The Benefits of Working With a Car Insurance Broker

When you shop for car insurance coverage, you do have several different shopping options available to you. These include:

  • Contacting insurance companies directly for rate quotes by phone
  • Using quote request forms on insurance companies’ websites
  • Using a discount car insurance broker to shop for full quotes
  • Using a rate comparison website to compare rate estimates

There are many different benefits associated with using a broker, and these include:

  • the services of a broker are free to you
  • the broker has a financial incentive to find you the best rate on car insurance
  • the broker has significant experience in the car insurance industry
  • the broker will answer all of your insurance-related questions without trying to entice you to buy a specific policy
  • shopping for rate quotes is faster and easier

The Best Way to Shop for Car Insurance


When shopping for car insurance rates, you don’t want to leave any stone unturned. Each car insurance company could offer you a different rate.

In order to find the best rate possible, it is necessary to contact as many different companies as possible for rate quotes. With this in mind, there is one way to shop for car insurance that may be more beneficial to you than others. Consider this process:

  • Use a discount car insurance broker to shop for rate quotes. Be sure to ask the broker which companies he or she will be gathering rate quotes from.
  • Use an online rate comparison website to compare car insurance rate quotes yourself. Compare these results against the insurers your broker intends to contact. Make note of insurers who may offer a low rate and who your broker was not planning on contacting for a quote.
  • For the insurers, your broker was not planning on contacting for a quote, contact those insurers directly yourself. This can be done over the phone or by using the insurers’ rate request forms online.
  • Compare all rate quotes that you have gathered and that your discount car insurance broker has gathered. Ensure all of the coverage and deductible options match. If not, request revised quotes with changes to coverage a deductible amount. By reviewing “like” coverage and deductible amounts, you can more easily make a comparison to find the best deal.

A Word About Deductibles

If you go through all of these steps and still have not found coverage that is affordable with your budget, you do have an option to lower your premium quotes.

The deductible amount you select is directly correlated to the premium cost on a rate quote. You have the ability to adjust the deductible at will.

Through this effort, you have great control over the price you pay for car insurance.

Raising your deductible will require you to pay more money out-of-pocket when you do need to a file a claim, however.

Because of this, it is advisable to keep an amount of money equivalent to your deductible in your savings account for access when needed.

Final Word


There is no right or wrong way to shop for car insurance and there are many pro and cons for using a car insurance broker.

Car insurance is a requirement for most drivers, and failing to purchase adequate coverage could leave you open to legal penalties, penalties assessed by your car lender and liability from other drivers who you may hit on the roadways.

So while there are several different ways you may shop for car insurance today, you certainly do want to make use of one of them.

Whether you choose to work with a car insurance broker or not, enter your zip code in our free car insurance rate comparison tool today.

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