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If you own a car, auto coverage policy is one of the most important things. There are three options to choose from when you want insurance for your car. These options include: buying from independent agents, buying from captive agents and buying online.

If prefer personal services and you like face to face relationships, then it may be good to buy a policy from an agent. There are many agents in the market and you need to choose the one you feel comfortable with. Some of the agents are known as captive agents while others are known as independent agents.

Independent agents are those who sell insurance for various companies while captive agents are those who sell insurance for only one firm. Below are some of the features of agents you need to know about to help you choose the right agent quickly and easily.

Buying from captive agents

If you are dedicated to a specific insurance firm, it is a good idea to buy from a captive agent. The captive agents deal with only one insurance company meaning they know all the different insurance options the company offers. Therefore, they can help you select the right package depending on your needs.

Buying from independent agents
If you want to check out on the different insurance policies offered by different insurance providers, go for independent agents. Because they deal with different insurance companies, they can help you get a better rate. They will also not try to persuade you to buy one specific product meaning they will tell you the right things about all the insurances.

Therefore, you should buy from independent agents if you need inexpensive coverage for your car. However, since they are under commission, they may be in a hurry to make a deal as soon as possible.

Buying online

The third option is to avoid insurance agents completely and buy car insurance directly from the company online. However, with this option you have to do most of the work yourself. You have to do your own research on the insurance providers, what options they offer, and the rates of their insurance.

It is a good to buy auto insurance online if you don’t have enough time and want to get a cheap car insurance since it allows you to save you from paying commission to an insurance agent. If you are not sure about your car insurance needs, then buying insurance online without the help of an agent is not a good option.

More tips on Bankrate.