The Three Categories of Car Insurance Carriers

July 20, 2017 · Posted in General Articles on Car Insurance 

Doing the required research and learning about the various types of auto insurance will make it easier to get the best car insurance discounts.

How much you pay will vary and it depends on several considerations. If you live in a very high priced region such as New York or California, you will be paying some of the highest rates in the country. Cities tend to cost more than less populated areas due to traffic, crime, and the greater likelihood of vandalism.

There are additional factors influencing the rates of insurance pricing, such as your background as a driver, how old you are, what kind of vehicle you own, and what you do for a living.

Despite these issues, you do have some control over how much you have to shell out for insurance. The easiest and most efficient way to begin your search is to look into the three different categories of car insurance companies. You may not have the time to call every single place, but dividing it this way will mean that you get a good sense of the rates in each category.

The 800 number insurance companies are the first place you will want to look. Agencies like Geico Direct (1-800-861-8380) often are lower cost due to the fact that they do not have to give commissions to insurance field agents.

The next place to look at is companies such as Statefarm or Allstate. This category consists of local offices staffed with in-house agents. A greater range of customers can be accommodated by these types of companies.

The last major type of carrier is independent agencies like the Hartford or Travelers Insurance Company. They may be costlier, but the higher risk driver who cannot find insurance with the above categories may do well with this option. Remember to call a few different companies to ensure the best rate.

This process takes time, but it is well worth it to get the most reasonable car insurance rate and monthly premiums and to find top car insurance discounts in your area.


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