How to Buy a Car Insurance Policy Without Paying a Commission?

While buying a car insurance policy, a broker or an agent helps you to find the right policy at the most affordable price. For this, the agent is paid a commission by the insurer for every sale, which is included in your premium. However, you can easily buy car insurance without commission. But first, let’s know the ways to buy four wheeler insurance in India.

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Ways to Buy a Car Insurance Policy in India

In India, you can buy a car insurance policy via several modes-

  1. Through Insurance Companies

    One of the easiest ways to buy insurance for your car is through a motor insurance company. All car owners can buy four wheeler insurance by getting in touch with the company from whom they wish to purchase a policy. You can either visit the nearest branch of the insurance company or contact the customer care team over the phone. You will have to fill up the proposal form and submit it to the branch of the insurer to buy car insurance.

  2. Through Insurance Agents

    Insurance agents are the people who sell policies on behalf of car insurance companies. Agents can be further classified into two types-

    1. Captive Agents- A captive agent is an individual who sells the policies of only one insurer. The agent works directly under the insurance provider and is responsible for getting business for a specific insurance company. They also handle all queries and questions asked by the customers and work as a customer service provider for the insurer.

    2. Independent Agents- As the name suggests, they are independent brokers that sell insurance policies for multiple companies. They are free to sell all types of policies for any insurance company and are responsible for resolving different issues of customers on behalf of insurance companies.

  3. Through Car Dealers

    When you purchase a car from an authorized dealer, you get the option of buying an insurance policy from them. Usually, they are in partnerships with a couple of insurance companies and you might not get an affordable deal this way. Therefore, you must check and research well before making a deal with them to buy a car insurance policy.

    The dealers also have year-end promotions or festive sale offers in which they bundle insurance with the car price itself. So, if you are buying a car during any kind of sale, you must go through the terms and conditions mentioned in the documents and check the premium.

  4. Buying Car Insurance Online

    Buying car insurance online means choosing one of the best and most convenient ways to get coverage for your vehicle. Here you will get multiple benefits like premium discounts, a hassle-free policy renewal process, no agent commission, and excellent customer service. The best part about online buying is that you don't have to run behind any agent, car dealer or insurance company to get the best deal.

    All you need to do is visit websites offering car insurance online and compare various plans as per your preferences to buy the best plan. Moreover, websites like give you the benefit of comparing multiple insurance policies offered by different insurers in one place.

How Can You Buy Car Insurance Without Paying a Commission?

There are two ways to buy car insurance without paying a commission. They are:

  • Directly through the Insurance Company – When you buy vehicle insurance directly from the insurance company, you do not have to pay a commission. This is because there are no agents involved in the process as you directly deal with the insurance company. Hence, you pay a premium minus the agent’s commission.
  • Through Online Mode – Another way to buy four wheeler insurance without paying a commission is by buying the policy online. You can do so on the insurer’s website or broker websites like Insurance companies save on operational costs when they sell policies online. Besides, the online process also does not involve any agents. Hence, you pay a lower premium on online policy purchases.

Why Should You Prefer Buying a Car Insurance Policy Online?

There are multiple benefits associated with buying a car insurance policy online. Take a look at them below-

  1. Hassle-free - When you buy a policy through an agent or car dealer, you have to call them or personally visit them. But when you buy a car insurance policy online, you don’t have to wait for an appointment and can make the purchase anytime anywhere.
  2. Gets You the Best Deal - When you buy vehicle insurance online, you get an option to compare multiple policies together and choose according to your budget and needs. By comparing different policies, you get the best deal.
  3. More Convenient - Buying an online car insurance policy means convenience. You can buy it at any time sitting in the comfort of your home. You cannot enjoy this service in case of buying through an agent or car dealer.
  4. Customer Reviews – While buying online, you can check the reviews and customer feedback of an insurer before making a deal. You can also go through the social media handles of the insurer to check their credibility.
  5. Round the Clock Assistance – To buy insurance today, you do not require the expertise of an agent and thus, do not have to pay them a commission. Nowadays, your insurer will give you 24-hour assistance in explaining the meaning of various jargon used in the insurance industry. The customer service team will also help you in solving your queries.


It is always advisable to buy a car insurance policy online rather than through an agent. Besides, it is not mandatory to buy it from your authorized car dealer. Therefore, if you are looking for a hassle-free and affordable deal, you must buy four wheeler insurance online and save money on commission.

Written By: PolicyBazaar - Updated: 18 August 2022
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