You have to renew your car insurance and you are looking for a better deal? Or maybe you need coverage for the first time, and you are not sure where to start. If you have assessed your driver profile and you have a good idea of the best policy for you, the next time is to find offers from insurance companies. You have three options – broker, agent, online – and each one of them has their pros and cons.

Insurance Broker

Let us start with an insurance broker and see what this option has to offer. If you have been looking at car insurance policies from rabbit finance, you will know that they deal with a variety of insurance companies to find you the best possible deal on the market.

A broker is someone who works for you, an independent entity that deals with a variety of insurance companies, so the customer does not have to. The broker asks what type of coverage you would like and finds the lowest possible offer. There are many benefits to working with a broker, some of these include:

  • Convenience
  • Great discounts
  • Knowledge of the best insurance packages


An insurance agent works directly for a company, so they can only offer what their company provides. An agent is different from a broker in other ways, one being that they do not generally work off commission and their salary is fixed. This means they are not trying to push you into buying insurance from them, although they would like it if you did.

When comparing car insurance, an agent will not be in contact with other companies, so they will not be able to give you information like a broker would. Aside from that, agents have several benefits:

  • Experts in auto insurance cover
  • Not working off commission

Online Websites

There are many ways to protect yourself on the road and having insurance is one of them.

If you do not want to go down the agent or broker route, you can get in touch with an online insurance seller and see what they have to offer. You can purchase insurance directly through the site without having to speak to an agent.

All you have to do is type in a few keywords and find an online insurance company. When you are happy with your choice, you fill out an application form and assess the price in front of you. This method of finding auto insurance has become more and more popular for a variety of reasons, some of which include:

  • Nobody is making any commission off the sale.
  • Direct insurers offer great discounts online.
  • It is convenient and easy to do.
  • There is no need to interact with anyone.

When it comes to purchasing car insurance, there are advantages and disadvantages to all the options mentioned above. If you prefer to do your business online, then the online method is perfect for you. On the other hand, if you like a more human approach, you can visit a broker or agent and speak in person.