Reader question:

Should I get direct Florida auto insurance coverage, or should I buy my insurance through an agent?

Melinda

Thanks for asking, Melinda.

Both are perfectly respectable options, although you should make your decision on either direct Florida auto insurance, going through an agent, or taking another route depending on your situation. I’ll break down the three main methods of purchasing auto insurance so that you can make the decision for yourself.

• Direct Florida auto insurance.

When you buy direct Florida auto insurance, you buy it through the company itself. This can be good for your direct Florida auto insurance premium, especially if you buy the auto insurance coverage online, which most companies will give you discounts for. Direct Florida auto insurance coverage is also a good option for people who are moving around a lot. If you move and have your insurance with an agent, then you will have to find a new agent; however, if you have direct Florida auto insurance, then all you have to do is call up and get a new quote based on your brand new zip code.

• Car insurance agent.

Agents are slightly more expensive because they usually charge a fee, so if you’re interested in saving money then you want to avoid hiring a car insurance agent and instead go with direct Florida auto insurance. What agents are good at saving you is time, so if you don’t have sufficient time to research companies for yourself as you would when buying direct Florida auto insurance coverage, then you can hire an independent agent to do it for you from the selection of companies he or she represents.

Cheers,

Fashun Guadarrama.