According to a recent consumer study, more and more car insurance buyers are by-passing traditional agents, opting instead to buy on-line or via direct telephone calls to the company. The study, conducted by Vertis Communications, found that 40 percent of U.S. adults surveyed would purchase automobile insurance directly via phone, internet or mail without first consulting an agent, an increase from 29 percent in 2003.

In particular, adults ages 35-49 are 15 percent more likely than their counterparts in 2003 to make a direct auto insurance purchase without seeing an agent, up from 30 percent in 2003 to 45 percent in 2007. No big surprise here. We've been buying GEICO insurance for years by phone.

Most Virginia consumers who read my book The Guide to Buying Car Insurance in Virginia, would find it easy to call the companies directly and frankly, most agents I have spoken to don't even know what the most important coverage is in Virginia and thus, they don't push it (they should.) Read my book to understand what it is.

Ben Glass
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Ben Glass is a nationally recognized car accident and ERISA disability attorney in Fairfax, VA.
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