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Captive agents, independent agents and buying direct
The three ways to buy car insurance and what each is good for.
You can buy car insurance through different channels. All agents must be licensed by your state, and you can check that license.
The options
- Captive agents represent one insurance company
- Independent agents and brokers can quote several companies
- Direct: you buy from the insurer online or by phone
Good questions for any agent
- Which companies can you quote for me?
- How are you paid?
- Are these quotes for the same coverage?
- Who do I call when I have a claim?
Check the license
Your state insurance department lets you look up agent and company licenses. The NAIC also offers a producer lookup.
Educational information, not insurance advice. Coverage and rules vary by state and insurer; your policy documents control. Trusted Auto Insurers is not an insurer, agent or broker and takes no commissions.