Basically there are three options to get your insurance : through a direct underwriter or agent , insurance broker , or one of the growing number of Auto insurance policies sold branded under the auspices of the automobile manufacturers .
UNDERWRITERS
Dealing directly with underwriters generally the cheapest option but again , the cost should not be the only consideration .
Most of the guarantor has a direct dial lines where you can arrange cover and pay for it over the phone . But with so many players , shopping around for the right policy at the right price can be a laborious task and time consuming .
If you prefer a more personal approach , then the insurance agent might be a better choice . Agents generally sell insurance for only one or two underwriters , so your choices will be limited policy .
BROKER
In today’s longer working hours and less time to relax , one of the last thing you want to do is spend days on the phone to compare quotes and conditions or wondering if you ‘ve got the right policies so that is where the broker come on .
Brokers work for you and not the insurance underwriters so that they are not bound to sell you a policy from any particular company .
Using a broker that is suitable for prestige car or exotic car as brokers often have more leverage to get a better premium or solve problems .
MANUFACTURER
Other options for insuring your car is through the increasing number of manufacturers of branded products . In the arena of prestige , BMW and Volvo have been operating the longest and offer insurance packages that are tailored to the specific needs of their customers .
Finally , if your car is part of a salary package, you may be able to ascertain through your employer. Many large companies are self-insured or because they are sure to value , have significant buying power with underwriters and can offer very good price .
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