Buying Direct Car Insurance
There are two options for buying car insurance. One is going through insurance middlemen and independent agents to buy the insurance. The Direct Car Insurance option is the other one in which we buy insurance directly from an authorized insurance company. This can be illustrated with an example. When you have pain in your joints and fell sick, you have two options. You can either approach a general practitioner or you can proceed directly to an orthopedic specialist. In the first case, he just has an idea about your actual condition and recommends some medicines which make you relieved from pain. But he cannot treat it accurately. But in the second case, as the doctor is a specialist in the human bones related illness, he may examine thoroughly and diagnose the exact nature of sickness. His medicines and exercises will effect more. And that will be the correct choice too.
It?s a similar situation when you choose a direct car insurance policy rather than an indirect car insurance policy. You could argue that it?s easier to get multiple quotes and broader policy information from multiple indirect sources because there are a number of them on the market. These indirect insurers could also offer a wider variety of services to set themselves apart from their competitors in a crowded market.
But, what happens with the cost? The middlemen and independent agents will never do free service for us. Always there will be some hidden benefits for them. They charge you without your knowledge. The larger independent car insurance companies have higher hidden costs. Sometimes the indirect car insurance agency offer extended legal liability to family members.
Now, instead of approaching an indirect agency, if you go for a direct car insurance company, the things will become clearer. Here, you will directly be in touch with the car insurance providers. These large companies have various facilities and services like emergency pick up vehicles, tie ups with official car service centres, legal advisors etc. They don?t have to outsource their services to other car insurance agencies.
And here, what is the status of cost? Absolutely zero hidden cost is there with the direct car insurance agency. Here you not only save money but get some very good facilities too.
Another great advantage over the direct car insurance policy is the instalment mode of payment. And here you get some covers in addition to your standard cover. If you insure more than one car with these agencies, they offer you a better premium. This helps in reducing cost to a greater level. It is always better to be associated with a single direct car insurance agency. Sometimes, you may get free extended territorial cover and these would be specific to the district of residence of course.
So before you go to an insurance agent or other middleman for help, paying extra fees for no reason, stop for a moment. Take a little time to think about whether you really need that middleman or not. Chances are, you can probably do without, and save a bundle in the bargain.
Graham McKenzie is the content syndication coordinator for Carinsurancesa.co.za, a leading South African car and vechile portal.
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