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Purchase auto insurance from local insurance office, or not?

Jun 22, 2018
3 min reading time

Getting car insurance can be done at a regional insurance office. But keep in mind that on average you will then pay more for car insurance. This is because you will pay extra for the service. But what does the extra service actually mean? Wouldn't it be better to compare and find the most suitable insurance yourself?

Insurance consultants would like you to believe that insuring your car is complicated. The opposite is true. There are three forms of insurance you can choose between. This is the most important choice. In addition, it is a matter of comparing different insurance policies side by side and getting the best and cheapest car insurance. The amount of the deductible can vary greatly, and there can also be important differences between insurers. For example, one insurer offers the new-value scheme and offers the option to insure a second car with a high discount as well.

Getting car insurance with the broadest coverage

At you can compare insurance policies side by side and rank them by the amount of premium. You can then compare the policy conditions of insurers, if necessary. When comparing, also pay attention to the amount of the deductible. This is where the biggest difference between insurers often lies. You can take out car insurance and terminate the current car insurance.

What are the disadvantages of insuring with an insurance agency?

With insurance offices, you can purchase auto insurance from an insurer that the offices work with. These are the advisor-oriented insurers. The intermediaries take over work from these insurers. For this, they receive compensation. They get a fee for taking out and for managing the insurance. You bear the costs for this.

In the event of damage, you still have to contact the insurer itself

Purchasing car insurance from a regional office has the advantage that, in the event of a claim, you can turn to the regional intermediary for claim settlement. In practice, the intermediary is often just an extra link. Namely, an intermediary between you and the insurer. The damage is settled by the insurer itself. Not by the intermediary.

Can you cancel your current car insurance policy?

There is usually a one-year contract term. After the first year, you can cancel the car insurance daily. However, a notice period of one month may apply. If you sell your car, you can always get rid of the current insurance. Has the policy been running for several years? Compare and see how much you can save per month.

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