What are the advantages to using an agent to purchase insurance?
By using an agent to purchase insurance, the policy holder receives more personal service. An agent with whom there is direct contact can be vital when purchasing a product and absolutely necessary when filing a claim. A local, independent agent is able to deliver quality insurance with competitive pricing and local personalized service.
The primary advantage to using an agent is the personal service they provide. Their direct contact with you gives them the visibility of your personal needs that will help you ensure that you have all the coverage you need, without either mistakenly under insuring or over insuring your situation. When you need to make a claim, the services of an agent will be invaluable in completing a normally stressful process with the least amount of trouble. While some companies will sell their policies over the phone, or via an internet application, claiming to save you a commission cost, the reality is that cookie-cutter, automated policies often don’t take your unique personal circumstances into consideration. An agent can help tailor a policy to your specific needs, often for a similar cost. And if you suffer a loss, the “standard” policies often sold by phone or computer may not cover something you’ve overlooked that an agent could have helped you consider. If you have to pay for a portion of
By purchasing insurance from an agent, the policyholder receives more personal, one-on-one service. An agent with whom there is direct contact can be vital when purchasing a policy and helpful when filing a claim. It is also important to note that many insurance carriers offer direct policies as well as operate through independent agents, all under the same name. Please be careful! This does not mean that you get the same rate from the same insurance company. Often you find the price of the direct version of the company is more expensive than if you buy through an agent. Be sure to shop both and weigh the benefits before you make a decision. Ask yourself how much those direct insurance company television ads cost!
