There are three common ways to buy insurance: going direct through an online carrier or call center, working with a captive agent who represents one company, or partnering with an independent broker who can shop multiple carriers. In this guide, we break down the pros and cons of each so you can choose the option that fits your needs, budget, and comfort level.

Whether you own one vehicle or five, almost everyone wants to save on auto insurance. This post explains why there’s no single “cheapest” company for everyone, what ultra-low rates can cost you in service and claims, and how an independent agent can shop multiple carriers to help you find the best value and discounts without sacrificing coverage.