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The Difference Between Car Insurance Brokers And Online Comparison Websites

With the emergence of live online car insurance comparison websites, many people are flocking to the internet to get their car insurance quotes. When I say ‘live’ I am talking about instant quotes where you can continue and purchase your product straight away. So with this convenience of comparing quotes easily online, do traditional car> have a role to play in today’s society?

The short answer is yes, it is important to get a car insurance quote from an insurance broker as well as a comparison from a live quote car insurance comparison websites. The reason is because each method offers you a different range of companies and underwriters to compare from. You are comparing totally different companies and more importantly different underwriters which means you will get a better range of quotes. You are hard pressed to find an insurance company in Australia offering commissions and their product through both online comparison websites and through traditional brokers. They usually only support one type of broker if they support any at all as several companies go through neither.

The software the brokers use is very similar to the system you use online but the only difference is it is private to the broking industry and is for offline purposes only. Some of Australia’s largest insurance names only go through traditional offline brokers. If they decided to liaise with online comparison websites then they would get a large backlash from their broker network and the result would be damaging to their distribution network and sales as only a very small proportion of insurance is sold through comparison websites. Many of the insurance companies offering their product to affiliates are either newer companies to the Australian market, such as Budget Direct, or a new product from an existing company such as Bingle which is part of AAMI.

It is impossible to say which method will provide you with a cheaper car insurance quote as for some situations traditional car insurance brokers will be cheaper and other time the comparison websites will offer you a better deal. The important thing to understand is that they both offer products from different underwriters and so by using both methods to get a car insurance quote you are ensuring you get a proper comparison. I know of one ‘supposed’ online comparison site in Australia, probably the largest, which offer only one underwriter in the ten live car insurance quotes – check it out yourself, the policies are almost identical and in most cases are identical. This is the type of misleading information to be wary of and which you avoid by using the dual method of broker and online comparisons.

Dub Johnston has his own seo melbourne biz and is a respected authority on insurance topics in Australia. Visit OzInsure.com.au to compare car insurance and get car insurance quotes from the largest and most respected companies in Australia.

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Difference Between RV Classes

A lot of people ask what is the difference between a Class ‘C’ and a Class ‘A’. Let me first start by telling you that Class A’s are typically more money than a Class C. However, both have their advantages and disadvantages, for example the Class A’s seem to have more storage than the average Class C, but the Class C is usually easier to store given the sizes typically max out at 31ft.

Then you have your super C’s but, we wont get into that now. Also, just to point out the obvious, the Class A’s are flat a front-end, like buses and Class C’s have Van front-ends with overhead cabs in them ( beds or entertainment units ).

Class A advantages: They sit higher for better viewing of the road ahead. Class A’s usually have higher ceilings inside for more space. The average Class A typically has a better turning radius than a Class C’s. Most A’s can tow more than the average Class C. This could mean the difference between someone buying a C or A because, they might have to tow a large vehicle or boat behind them. A’s tow around 5,000-8,000 lbs while C’s tow around 3,500-5,000lbs. The Class A RV, can also give a person more room because, they have bigger slide-outs on them which can open the unit up a lot when they arrive to their destination. Don’t forget that most of the A’s come with a lot more bells and whistles like, leveling jacks, flat screen TV’s, bigger motors, more holding capacity on tanks, more luxuries in general.

Class A RV disadvantages: The Class A can cost substantially more than a Class C. The sizes may come a lot bigger but, that can be a down fall, due to the fact that most campgrounds and RV parks only accommodate certain sizes. This can limit an RVer’s choices on where they want or can stay. Also, Class A’s can cost more to buy, insure and maintain ( check with your insurer and local RV service shop ).

Class C advantages: They sit lower to the ground which can make some people feel more comfortable. They are easier to store if one is limited on the space they have to store it. Class C’s cost less which is perfect if someone is just looking to get into their first RV. This type of RV is family friendly because, most Class C’s have more sleeping in them. Given the fact that they have the overhead bed, and nowadays can contain bunk beds ( FYI so can some A’s ).

Class C disadvantages: This type of RV can come with a lot less amenities such as, no leveling jacks, smaller holding capacity on the tanks ( which could mean having to fill up more often ). Don’t forget some Class C’s can’t tow very much. The cab area for the driver is a lot smaller given the type of front-end on the vehicle.

All in all, do your research if your considering either type RV. This is just to give someone an idea as far as differences between the two types of Motor Homes. What ever you decide on don’t over analyze your decision, most people trade-in their RV’s every 2 years. So don’t be surprised if you upgrade or even downgrade.

Time To RV Blog

Kyle Yocky Has been in the RV industry for 7 years and currently runs a site called, Time To RV – Your RV Resource. http://www.timetorv.com

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What is the difference between Commercial Vehicle Insurance and Private Insurance?

What is the difference between the two when it comes to hitting someone’s car and totalling it? Is it true that companies with commercial insurance are most likely to “replace” a totalled car versus private insurance to keep from being sued. Also what is the practicality with settlements after the car has been totalled? Anyone ever get in an accident involving a company owned vehicle with commercial insurance?

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