What is direct insurance? This term relates to business contracts concluded directly between insurers and insured. There are no middlemen or agents. Typically you will work with an insurance agent when you shop for your home, health or automobile insurance and they will help you choose the best plans from the many companies they represent. Of course they are paid for their services and this comes from you or through the insurance company through the money they charge you for insurance premiums. Sometimes you can save money by 'buying direct' with the insurance company themselves.
When you are considering buying insurance direct be sure to compare rates with an insurance agent also to see which company can give you the best deal. Sometimes an agent has a group or bulk discount they can pass along to you that you won't get by buying direct from an insurance company. We have listed a few of the companies you can begin your search with. These insurance companies can either offer you direct plans or can offer you more than one quote for many other insurance companies.
One good source for the state of Florida is Florida Direct Insurance Agency, Inc. They offer quotes for business owners, workers compensation, bonds, commercial auto, disability, payroll processing and more. Direct offers multiple lines of coverage, from auto and life to travel and hospital indemnity, in Arkansas, Florida, Georgia, Kentucky, Louisiana, Mississippi, North Carolina, South Carolina, Tennessee, Texas and Virginia.
If all you are looking for is direct auto insurance this site is a good one to begin your search CarInsurance.com. One that you most likely have heard of is GEICO. They specialize in dealing insurance directly with the insured. If you live in Canada you can access CanadianDirect.com who deal directly with insured for property and casualty insurance plans. They currently do business just in British Columbia and Alberta, Canada. Lombard Direct specializes in home and motor insurance in the UK. RBC Insurance offers direct coverage insurance plans for life, mortgage, disability and more.
The key to getting the best deal through a direct purchase of insurance is to compare all the rates through all categories. If you can combine all your insurance needs you might receive discounts that will make it worth your while.