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Ever wondered how exactly to determine the best insurance company? It can be very difficult to shop and compare coverages by yourself.  There are two main types, independent agencies that represent several carriers, and captive agents, which solely represent one carrier. The insurance companies use the captive agents to market their products.

Some insurance carriers have decided to eradicate the agent, and use other methods instead, like direct mail and the Internet to sell their products. The property and casualty companies are constantly vying for marketing penetration, where they have to decide between new acquisitions and the expense of doing business. This is crucial information for the consumer, as they are the ones ultimately determining who is winning. Your idea of the best insurance company may differ completely from your neighbor’s choice. The best guide is time and experience.

Direct distribution is the name given to insurance companies that sell direct to the consumer using the Internet or direct mailing services. They use customer service call centers. The direct distributor claims to have cheaper rates because they have eliminated the agent.

Car insurance agents are responsible for the most successful means of insurance distribution in insurance history. The local agent is a member of your community and is easily reachable. This is great for consumers who want personal advice.

Once you’ve decided what’s best, you can start a search for those types of agencies. AM Best provides news, credit ratings and financial data products and services for the insurance industry.

Contact us for an affordable Missouri car insurance quote at 888-607-6499.
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