Buying Car Insurance? Let’s Count The Ways.

May 18, 2021 by

Author Holman Insurance Services

How can you buy Insurance?

Just like there are lots of kinds of insurance, there are lots of ways to buy insurance as well.
Here’s a look at the three most popular ways and the unique benefits of each.

Exclusive Carrier Agents

Check banner

These are folks who work for the big name insurance companies. They are limited to selling only
their insurance company’s policies because they are the only policies they have access to.
They’re fully trained on it, so they have in-depth knowledge you’ll find about what that one
company offers, but not other carriers.

A restriction with exclusive agents is that if their one specific company doesn’t meet your
insurance needs, they can’t provide you an alternative solution. They also don’t have the ability
to compare competitive offerings year over year.

Self Service

check banner

Mostly this is you acting as your own agent by using a web-based insurance finder to shop for
and compare insurance prices. You can setup your policy yourself and pay online, but you won’t
have the benefit of an agent to assist in comparing policies or filing a claim.

You may not get the best match here between your needs and the policy you get. Regulations
differ by states, and if there any mistakes or misgivings with your policy, the fault lies on you.

Independent Agent

Acccess to multiple iinsurance companies and local agents

With independent agents you have both options and opportunities. They can help you find the
best rates and build the best policies. They work with, not for, many different carriers, meaning
they can objectively find the best policy or combination of policies to fit your specific needs.

Holman Advantage: As in independent agent, we have several insurance companies we partner
with so our focus is on serving our customers, not selling a single company’s products.

How we can help

Our specialists can help you assess your insurance needs, find a company or combination that
offers the coverages you need, and work out a policy that fits you financially.

Contact us when you’re ready to schedule a consultation.


More Info

  • Tips to Maximize EV Range this Winter

    You may not be able to stop Jack Frost from nipping at your nose this winter, but you can certainly keep him from nipping at your electric vehicle. When the temperature drops, so does the performance on your EV and you should expect to experience reduced range in the colder weather. Your battery becomes less…

  • MOTIVE Recap: Exotic Experience

      In the words of Peter Nogalo, host of our monthly podcast, MOTIVE, powered by Holman, “Have you ever wondered what it would be like to cruise down Rodeo Drive in a Rolls-Royce or Bentley, race through Monaco in a Bugatti or Lamborghini, or live out your James Bond fantasies in a specially equipped Aston Martin?”…

  • Prepare your vehicle for winter driving

    Check this list of precautionary tips to prepare yourself and your vehicle for winter driving conditions.

  • Simplify Buying A Car Online With The Holman GO Tool

    When you’re looking to buy a new car, chances are that you’ve considered shopping around at local dealerships. However, did you know that buying a car online can be totally stress-free, save you time, widen your selection range, and is now easier than ever? During the pandemic, many dealerships transitioned to a digital sales environment,…

  • Bugatti Showcase at the Annual Radnor Hunt Concours d’Elegance

    The Event The 24th annual Radnor Hunt Concours d’Elegance weekend kicked off on Friday, September 10th. Founded by a group of automobile enthusiasts, the Concours d’Elegance is a three-day premier event filled with activities, culminating in a showcase and competition of some of the greatest classic and sporting marques in the auto world. Bugatti, Chrysler Imperial,…

  • Distracted Driving Awareness

    According to Distraction.gov, distracted driving is any activity that could take your attention away from the primary task of driving. These activities are not just limited to cellphone calls or texting, but also include eating and drinking, grooming, talking to passengers, adjusting a radio and more. Of all the different activities or devices that may…

  • Kingsley’s Tour of the 2022 Electric MINI Cooper SE Hardtop

    What happens when a four-legged social media star hits the road in the MINI Cooper SE? Through a series of social posts in partnership with Kingsley, his dads, and our friends at New Life Animal Rescue, viewers were given a unique tour of the latest all-electric MINI.

  • 8 Back-to-Basics Driving Tips

    School’s restarted, and often teachers kick things off by going back to the basics. What’s the foundation of all we’ve learned, and where do we place our building blocks to ensure strong, growing knowledge? Let’s take that same approach with driver safety. There must be at least 8 basic lessons we learned in Driver’s Ed…

  • Buying a Car 2021 Edition

    Buying a car is a big decision that can feel overwhelming at times. Should you buy new or used? Should I purchase or lease? How big of a car payment can you actually afford? Throw in a pandemic and a global microchip shortage that has caused the supply of cars to dwindle and you’re left…

  • Electric Vehicle Glossary

      A AC – Alternating Current – A charge of electricity that periodically changes direction. It is the source of power that comes from the grid. ACES – Autonomous, Connected, Electrification, and Shared – Refers to innovation and disruption in the automotive industry. AER – All-Electric Range – The range any EV is able to…

  • New Office, New Approach to Your Commute

    As the world continues to rebuild post-pandemic, many people are starting to establish a new, more permanent schedule. For most, that includes a revised work situation that could mean more long-term work-from-home policies. Now that the dust has settled, how does this revised work and travel schedule impact your automotive decisions? It might be time…

  • Evacuation Tips For Safely Escaping Wildfires

    Imagine an area the size of Los Angeles being razed by wildfire. That’s the Bootleg Fire in Oregon – more than 476 square miles, and it remains 75% uncontained. Meanwhile, with more than 70 other wildfires raging in 11 other states, the U.S. is at its highest alert level, with more than 17,000 firefighters and…

  • Plugging Into At-Home Charging Stations

    So you’ve been looking at an electric vehicle (EV) as your next vehicle investment. But the question remains: How will you charge it? The idea of “fueling” your car right in your garage or driveway can seem so distant to many, but innovations in EV technology have made at-home charging more accessible than ever. It…

  • Prep Your Vehicle For Summer – A to Z Tips

    Prep your vehicle for summer with these A to Z tips It’s officially summertime, and that means ice cream runs, day trips, long road trips, and vacations! Don’t let vehicle trouble break down your plans for summertime fun. Kick up your flip-flopped feet and read through this A to Z list of smart vehicle prep tips,…

  • A Look At The All-Electric Ford F-150 Lightning

    May 2021 was an exciting time for Ford and F-150 lovers everywhere, as the company revealed its highly anticipated F-150 Lightning, an all-electric pick-up that’s powering the country’s drive toward an electrifying future. Ford’s F-150 Lightning is a 563 HP workhorse that takes the F-150 you love and adds the top tech on the market…

  • Behind The Scenes: Mercedes-Benz Van Center

    Source: ARI Holman Automotive’s Mercedes-Benz Van Center is an innovative new branch in the Holman brand that provides commercial customers across the area with specialty vehicles that work for them. Located in Maple Shade, New Jersey, the Mercedes-Benz Van Center features an inventory unlike any other in our region, and we’re giving you an exclusive…

  • Prepare Your Vehicle For Hurricane Season

    You cherish your vehicle for the good times it gives you, but you also rely on it to be there for you in times of trouble. That may include the “get the heck out of Dodge” moments that could pop up during this year’s Atlantic hurricane season. The storm season officially starts on June 1…

  • Buying Car Insurance? Let’s Count The Ways.

    Author Holman Insurance Services Just like there are lots of kinds of insurance, there are lots of ways to buy insurance as well. Here’s a look at the three most popular ways and the unique benefits of each. Exclusive Carrier Agents These are folks who work for the big name insurance companies. They are limited…

  • The 2021 Bronco vs. The 1974 Bronco Restomod

    It’s an understatement to say we’re excited about the return of the Ford Bronco after a quarter century of dormancy. We’re hearing stories of strangers approaching owners of the Bronco Sport (available today!) to ask them about their vehicle. If you want to latch onto that Bronco magic today, head to your Holman Ford store…

  • Our Favorite US License Plates Ranked

    Source: ARI At some point you’ve probably played the license plate game—but have you ever ranked which states’ plates are the best looking? Across The US there are hundreds of plates, each one representing the unique aspects of its own state. Some proudly display their landscapes and national landmarks, such as Colorado’s Rocky Mountains, while…

  • One Year Living With An EV

    By Chris Haak My wife considers herself an environmentalist. She’s a big-time recycler, she actually looks forward to picking up litter, we never throw away edible food, and we try to generate very little waste. We’re not zero-landfill, but our norm is one bag of garbage per week with a huge quantity of recycling. That…

  • Alpina: Making Great BMWs Better

    By Chris Haak When you think of a BMW, what phrase immediately comes to mind? “The Ultimate Driving Machine,” of course! Perhaps one of most successful, and long-lived advertising slogans of all time, The Ultimate Driving Machine slogan was spearheaded by longtime Ford, GM, and Chrysler executive Bob Lutz in the 1970s when he worked…