Until recently, the method of purchasing auto insurance involved finding a reputable agent who offered the insurance a customer needed. The next step in the process was determining which level of car insurance a customer needs. This step, for most consumers, is a compromise between price and a level of coverage they can live with. After business is concluded the consumer usually won't speak to the agent until their policy is up for renewal or a claim must be filed. There is generally a markup on the price of the insurance policy due to the compensation due the agent for providing the service.
There is a new trend which has emerged in the auto insurance world that is saving the consumer money. This trend is a product called direct car insurance. Simply explained, this means the agent variable in the auto insurance equation has been removed. Direct car insurance has the almost immediate impact of eliminating part of the cost of an auto insurance policy by removing the agent's commission. The method of purchasing this insurance is mainly done online. The result is cheap auto insurance rates passed on to the consumer. With the agent removed from the equation direct auto insurance offerings allow you to quickly and easily modify levels of coverage on the fly to see how it impacts the insurance policy's rate. The consumer does not have to deal with an agent trying to sell them on coverage in which the consumer may do without.
Purchasing direct car insurance online is certainly cheap but this does not refer to the quality of coverage. In order to offer car insurance to consumers, a company is required by law to pay for claims and offer the same coverage to all customers. What this ultimately means, is that by purchasing cheap (price) online direct car insurance you will have the same coverage as if you purchased a policy from an independent agent. The personal level of service a customer receives from an agent provided auto policy is the same as a policy offered from a company offering direct car insurance.
The worry many consumers may have about purchasing cheap online direct car insurance is related to what happens if the policyholder is involved in an accident and must file a claim. One thing to keep in mind is that when the consumer needs accident repair on the vehicle the agent was not doing the repairs personally. In fact, most of the time the agent was not involved in the claims process unless the policyholder specifically requested it. The claim was handled by a customer service center specializing in handling policyholder claims. This level of specialization has existed for quite a long time. This claims process is the same at companies offering online "cheap" direct car insurance.
Read More: Discount Auto Insurance for All Drivers
In short, if you are looking to save some money and are used to dealing with an agent down the street, you should look in to many of the available cheap online direct car insurance companies. You will see the level of coverage and service you are used to from an agent is available at a much discounted rate. Visit Elephant Auto Insurance online to get a cheap quote on car insurance.