How to buy insurance without an agent?
Asked by: Mr. Alfred Predovic | Last update: September 24, 2025Score: 4.8/5 (52 votes)
Can I purchase insurance without an agent?
Of course, you can buy a policy directly from an insurance company. You can purchase it from the company online or over the phone. You can still purchase insurance in person from one of the company's agents, too.
Is it better to buy insurance online or in person?
Buying insurance online can often result in lower customer costs due to the elimination of commission fees for the insurance agent. However, buying insurance through an agent can offer a more personalized experience and in-depth policy analysis, leading to finding the most cost-effective coverage options.
Is it cheaper to get health insurance through an agent?
You can use an agent's services for free.
A plan never costs more just because you choose to buy with an agent. When you understand the benefits of shopping through a licensed agent – and the fact that you don't have to pay more for using an agent – it's easy to see why shopping with an agent is the smart way to go.
What's the best way to buy insurance?
- Decide the coverages you need.
- Review optional coverages.
- Research the financial health of a few insurance companies.
- Shop around! Get several quotes and compare car insurance.
- Confirm you're getting the best price.
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Is it cheaper to buy insurance directly from insurance company?
Online car insurance policies are generally cheaper than those offered by insurance agents as these don't include commissions and other fees. Most auto insurance companies also offer discounts if you purchase car insurance online.
How do most people buy insurance?
Insurance is generally bought directly through an insurer or through independent agents and commercial brokers who provide access to the products of several insurers.
What is the disadvantage of an insurance agent?
Additional Costs: One of the main drawbacks of using insurance agents is the potential for additional costs. Insurance agents typically receive commissions from insurance companies, which can increase your premium costs.
Is it better to go with a local insurance company?
Tailored Coverage Options
They have the flexibility to offer customized plans that ensure you're neither over-insured nor under-insured. Whether you need additional coverage for a high-value home, a vintage car, or special riders for unique circumstances, a local agent is more likely to offer personalized advice.
Is insurance more expensive if you use an agent?
Working with an independent agent won't cost you extra because their commissions are rolled into the price of a policy. However, since an independent agent can only offer policies from companies they work with, your options may be limited.
What is the best time to buy insurance?
2. The best time to buy car insurance quotes is 20 to 27 days before you need the policy to start. Your renewal notice from your insurer will show the new price for next year (and the price you paid last year). It's typically sent around 28 days before your current policy ends.
What is the first step of purchasing insurance?
Step 1: Choose a way to purchase your policy
If you're working with insurance companies, contact each one individually to get your quotes. This is likely to be the best approach if you're only choosing between two insurance companies or between several policies from the same company.
When should you get your own insurance?
Once you're on a parent's job-based plan, in most cases you can stay on it until you turn 26. Generally, you can join a parent's plan and stay on until you turn 26 even if you: Get married.
Do insurance agents work when they want?
You set your own hours, and you're responsible for growing your business how you want. The flexibility and entrepreneurship that come with being an agent are why working in the insurance industry is so fulfilling for many insurance professionals.
Can insurance be purchased online?
Yes! Many insurance companies offer the option to buy car insurance online instantly, where you can get a quote, pay, and print proof of insurance in minutes. Before searching for car insurance quotes, it's important to understand the process of buying same-day car insurance online.
How to get around an insurance broker?
- Directly through the insurance company, online or over the phone. Some insurers don't use agents, in which case you'll work with the insurer directly.
- Through a captive agent, who works for one insurer.
- With an independent agent.
Is it best to have all your insurances with one company?
The Bottom Line. Combining all of your policies with one insurance company can save you money compared to having a variety of carriers.
Is there a benefit to using an insurance agent?
Access to More Options: Independent agents have access to a variety of insurance companies, which allows them to deliver more options. They will search through all the available options for you to bring you the best possible combination of price, coverage, and service. More options mean lower premiums for you.
What issues should you consider in choosing an insurance agent?
- Licensing — Make sure the agent and insurance company are licensed in your state. ...
- Credentials — Many agents and brokers will have letters behind their names on their business cards.
Does State Farm use independent agents?
State Farm independent contractor agents licensed in California will continue to service policies not impacted by these decisions. State Farm General's May 2023 decision regarding new applications remains unchanged. We will evaluate the need for any additional business actions as market conditions change.
Is an independent insurance agent worth it?
There are no extra costs when working with an independent agent, and it can save the customer time by allowing the agency to shop for quotes from multiple insurance companies. An independent agent may be able to find a better deal for your insurance needs than you can.
What are 3 ways to buy insurance?
You can buy an individual policy from an insurance company, a licensed health insurance agent, or from Covered California- California's Healthcare Marketplace.
Which health insurance company denies the most claims?
According to the analysis, AvMed and UnitedHealthcare tied for the highest denial rate, with both companies denying about a third of in-network claims for plans sold on the Marketplace in 2023, respectively.