Auto insurance

May 11 2010 Many of us continue with the same insurance service provider year after year mainly due to sheer lethargy and the overwhelming process of shopping for a new provider. This is despite the fact that most of us are continuously and regularly swamped with new offers and seemingly attractive policy terms from new entrants and other established service providers.
In order to get the best car insurance deal, it is essential to understand the structure of the auto insurance industry.
The industry consists of three main pillars – the big companies with the 800 number facilities, the direct sales force companies and the independent agent organizations who have freelance agents working for them and may represent all the insurance companies in order to sell the appropriate policy to the customer.
The big companies save on agent commissions and attempt to sell direct to their customers and the 800 number facilities is one way of making customers contact them or even visit their website to shop online.
Companies with a large sales force believe in being proactive and contacting the customer. They often provide good personalized services and are not expensive either.
Independent agents are useful for people with poor driving records as they can find the right service provider and will do the running about to get you the policy you require.

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