ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

Direct Car Insurance

Updated on June 30, 2011

What is Direct Car Insurance?

Direct Car Insurance, also termed Direct Auto Insurance, refers to buying car insurance directly from an insurance company rather than through independent agents. The popularity of this method is largely due to the internet and the need for insurance companies to be more competitive.

With more and more cars on the roads these days, insuring your car is a necessity. After all, it'll be one of the biggest purchases you will make in your life (after your house). Choosing to buy insurance directly from an authorized insurance company has a number of advantages.

Top 3 Benefits of Direct Car Insurance

#1 - No middle men

You deal directly with the company providing your car insurance. No middle men pressuring you to sign up to a particular policy because it benefits them - you get it all (cover, information, premiums, claims) straight from the horse's mouth. Less hassle, less heartache.

#2 - No middle men commissions!

With direct car insurance there are no independent agents and therefore no agent overhead costs that need to be recovered (through a higher premium). On top of simply recovering overheads, agents need to make a profit to make it worthwhile to stay in the business. Eliminating the middle men and their costs means insurance companies can be more competitive and this means you should be getting a better deal.

#3 - Do it online

You can get direct car insurance quotes online fairly easily these days, usually through the insurance company's website. I purchased a new car last year and went shopping for insurance online. I was able to get quotes from a few different companies using their online estimate calculators and make a decision from there.

Often, to encourage people to apply for car insurance online, insurance companies actually offer an internet only price which means you can save even more! These days you can also scan and submit documentation online.

Funny TV Ad For Budget Direct Car Insurance

Direct Car Insurance! The savings are scary!
Direct Car Insurance! The savings are scary! | Source

My Tips - Shopping Around For An Insurance Policy

  • Always ask friends and family for their recommendations and experiences.
  • Always ask for discounts! The better direct car insurance companies will reward good drivers, people affiliated with certain clubs or if you take out multiple insurance policies. If you don't ask, you may not get it.
  • Read all of the policy details before you sign up - the last thing you want is a surprise exclusion in your policy when you're about to make a claim.
  • Evaluate your needs and ask if policies can be customized to make it cheaper for you if you don't need all of the cover included.


    0 of 8192 characters used
    Post Comment

    No comments yet.


    This website uses cookies

    As a user in the EEA, your approval is needed on a few things. To provide a better website experience, uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

    For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at:

    Show Details
    HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
    LoginThis is necessary to sign in to the HubPages Service.
    Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
    AkismetThis is used to detect comment spam. (Privacy Policy)
    HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
    HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
    Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
    CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
    Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the or domains, for performance and efficiency reasons. (Privacy Policy)
    Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
    Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
    Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
    Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
    Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
    VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
    PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
    Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
    MavenThis supports the Maven widget and search functionality. (Privacy Policy)
    Google AdSenseThis is an ad network. (Privacy Policy)
    Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
    Index ExchangeThis is an ad network. (Privacy Policy)
    SovrnThis is an ad network. (Privacy Policy)
    Facebook AdsThis is an ad network. (Privacy Policy)
    Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
    AppNexusThis is an ad network. (Privacy Policy)
    OpenxThis is an ad network. (Privacy Policy)
    Rubicon ProjectThis is an ad network. (Privacy Policy)
    TripleLiftThis is an ad network. (Privacy Policy)
    Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
    Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
    Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
    Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
    ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
    Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)