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Brokers: Your car insurance shopping gurus

November 11, 2008

Getting car insurance can be a time consuming and, at times, frustrating task. However, it is possible to make the task easier with a car insurance broker. While there are many benefits to getting in touch with an insurance broker, the main one is that they work for you, rather than any one insurance company.

Instead of getting in touch with several different car insurance companies and having to compare all of them to find the best rate, why not enlist someone that has a current and comprehensive working knowledge of the insurance industry? That’s what you will get with an insurance broker; someone who will locate the best insurance rate for you with the insurance companies they work with.

The car insurance broker advantage

A broker basically acts as a liaison between you and an insurer. Insurance brokers work with multiple insurance providers and also have access to certain insurance companies that us regular Joe's do not. As a result, they are able to offer you the cheapest car insurance prices from several different companies in one go. A broker can find you the best rate for your insurance needs by comparing more companies, much faster (and easier) than you could on your own.

The lowest car insurance price is not always the best car insurance price

A broker can be extremely useful in helping you decide what amount of coverage is right for you as they know the insurance industry inside and out and will be able to determine the best coverage for your specific needs.

While getting the lowest insurance rate may sound appealing (and why wouldn’t it?), sometimes, the lowest insurance rate offered isn’t necessarily always your best option. Ask yourself, is paying 50 dollars less worth having reduced coverage for something that may be beneficial to you in the long run? This is how an insurance broker can help. They can help you sift through all the information out there, and help you decide what you should pay less for, and what is beneficial and thus worth the money. Your broker will carefully assess your insurance needs and then search for the product and coverage that best meets your requirements to make sure you’re making the best choice – not just the cheapest.

What should I expect from my car insurance broker?

A broker’s main role is to provide professional, objective, advice to you. Generally, a broker should be able to:

They’ll be there when you need them most

Any time you require the aid of a broker, rather than getting put through to a call centre and talking to a stranger, you will be supported by a broker or their staff members who have taken the time to gain your trust and build a relationship with you.

The nicest thing about having a broker is that there will be someone there for you during critical times. In the event of an accident, your broker will be on your side, not the insurance company’s, to take you through the claims process step-by-step. It can be quite a comfort during a stressful event to have a broker to help you get through all the paperwork.

Look for one near you

By working with a broker, you’ll be able to get personalized insurance that you couldn’t purchase on your own; you’re ensuring that you get the most extensive coverage possible for the price paid; and you’ll have someone there for you in worst-case scenarios. Find a broker today with .

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