A car insurance broker is an independent agent that offers representation to the buyer, rather than the insurance company, with their insurance transactions, unlike an insurance agent, and aims to find the buyer the best policy by comparing a variety of quotes. There are literally hundreds of Insurance Brokers throughout the United Kingdom and many are now available online to offer ease of use.
The majority of the larger car insurance brokers and many of the smaller specialist brokers are now able to provide you with instant access to a great variety of quotes, and you will only have to fill in the online form once, so it can save you a great deal of time and leg work! They can research the market for you and offer a personal service. They are also a good choice as they can act on your behalf when it comes to making a claim, which again can take some of the stress out of it.
A car insurance broker can be the perfect person to get in touch with if the type of policy you need is perhaps a little different to the norm, such as if you own a classic car which many insurance companies will not offer you a great deal of choice. They can also be of great help if you have a less then perfect driving history such as making a number of claims or if you have any driving convictions.
As an insurance broker can offer a specialist service in certain areas, they will be capable of giving you a greater amount of choice from a number of companies and cheaper premiums than can be offered from individual websites. They can also offer you professional advice on the form of cover that is most appropriate for you. Such a good personal service will come at some cost though and often a policy taken out through a specialist car insurance broker may cost you more, largely because they receive a commission.
Brokers also have the benefit of being able to negotiate a selection of rates with insurers for the same car insurance policy and some may have lower overheads and decide to take less commission to secure your sale.
There is also the option of an online brokerage/intermediary, which will have a variety and number of insurers on their books. When you obtain a quote from them, they will search for it from their list of insurers. Bear in mind that not all insurers on a panel will offer competitive quotes.
The first step to take when it comes to getting cheaper car insurance is to make sure you look around for the best deal and the best way to do this may be an online car insurance broker website as they will be able to search the marketplace and find you the best deal. By checking out car insurance online you have the advantage of being able to get almost instant quotes from a wide variety of insurance companies.
