Car insurance at a car dealership or buying a policy online

Insurance sales provide car dealerships with an additional source of income. However, for many of them, expanding the range of services offered to customers is more important.

From the point of view of dealerships selling both new and used cars, since both can become insurance intermediaries, being included in the insurance offer means an additional source of income from commission sales.

However, for many dealerships, it's equally important that their insurance offers a wider range of services. In some cases, choosing an expanded driver package is more cost-effective than searching for insurance independently. This is primarily due to the financial aspect, as some insurance plans offered by dealerships may not be available outside the dealership.

Do all car dealerships sell insurance?

The main activity of car dealerships is, of course, the sale of cars, and insurance services, as well as advice on choosing and obtaining financing, are a way for them to complete their offer.

Salons decide to do this because it gives them an extra service that their client should use anyway. Yes, from the point of view of drivers it is convenient that the salon “organizes” the purchase, registration and insurance of a car for them.

Insurance can be included in the offer by car sellers of all segments. It is worth emphasizing, because it happens that drivers consider extended packages suitable only for premium cars. However, this is not the case - there are insurers in the auto market for which the sale of insurance in car dealerships is the main part of their activity.

Differences between buying insurance at a car dealership or on your own online

The main differences between a cabin package and a self-purchase policy are not necessarily related to the amount of coverage or access to additional insurance. Car dealerships in some cases may offer drivers cheaper insurance.

This is primarily due to the specifics of their work and a wide range of cooperation with the insurer. Car dealerships can be both partners and customers of insurance companies, in which they insure their own fleet of replacement and demonstration vehicles - this allows them to negotiate rates for their customers.

With direct access to the insurer, they can also assist clients with reporting and claim resolution, as well as timely renewal of insurance at a rate not available on the market.

There are certainly advantages to buying insurance at a car dealership. However, in most cases buying OSAGO online a car enthusiast has the opportunity to purchase a policy at a lower price and, most importantly, independently choose an insurer company that he trusts.