With so much information available online, you might wonder why you should use an agent rather than buying insurance directly from a website. While many people are able to get an excellent quote online, they may be missing some of the benefits that an agent brings to the table. There is nothing wrong with researching insurance yourself, but how do you know you are getting the coverage you need at the right price? Working with an insurance agent makes a lot of sense if you want a plan to protect yourself and your family.
Is this the best price?
When you shop online for a price quote, you probably think you are getting a better deal because you aren’t paying an agent. An agent’s commission actually doesn’t affect your insurance quote at all. You are able to get a similar price whether you purchase your policy online or go through an agent. You aren’t eliminating any of the expense doing it yourself, but you might be missing out on better discounts if you don’t use an agent. You also might not have the amount of coverage you need if you go online, so it’s best to have a person take time to work with you to get the insurance you need for the best price.
What about service?
What is more frustrating than trying to get a human to help you with your questions or concerns when you call a company? When you don’t use an agent, you are setting yourself up for exactly that kind of frustration. If you have an agent, you can call that office directly to get faster and more efficient service. An agent takes the time to help you with your questions and claims with a level of service that cannot be met through a website. You can get answers when you need them from someone who knows you instead of waiting days or weeks for anyone to contact you.
What do they know?
Insurance agents know plenty about insurance; it’s what they do. They know when new products are available, when policy changes occur, and when any laws or requirements are passed. They are up to date in the confusing and ever-changing world of insurance. A website, on the other hand, might not be updated with current information. How do you know the information you access online is accurate or applies to you? Agents do more than just sell you policies; they also review your coverage to access any changes that offer you better protection. Don’t expect a website to do that.
By working directly with a representative, you can rest easy knowing that you have your own personal expert reviewing your policies to ensure you have enough coverage with all the discounts that apply to you. The whole point of insurance is to protect you against the what-ifs, and with an insurance agent, you have someone in your corner who knows all the possibilities and has the answers. Talk to an agent directly to see how you can get the right insurance coverage for you and your family.