Do You Need An Auto Insurance
Agent?
Many insurance companies today
don't sell their policies through agents, but directly from the company either
online or over the phone. It might seem
that having an agent to help you purchase auto insurance is a thing of the
past, but don't discount the insurance agent just yet. There are some very good reasons to consider
using an insurance agent for your auto policy purchase.
Agents Know Their Products
Many of the customer service
representatives who handle the phones at large insurance companies know the
basics of auto insurance policies, enough to help you select and purchase
one. But insurance agents, especially
those who have been around for a while, understand a lot more about coverage
and policy limits. They can share with
you a wealth of knowledge that will ensure you not only get the right policy,
but the best rate and a good understanding of what you are paying for. An agent will help you select the best
possible coverage limits to fit your needs.
Agents Are On Your Side
If the day comes when you need
to file a claim, it's always good to have someone who is truly on your
side. Especially in a complicated claim,
your agent can walk you through the process and be there to answer all your
questions. An agent is also there to
step in when there are disagreements with the adjuster or other involved
parties at the insurance company.
Because your agent knows all about the policy and how the claims process
works, they will better be able to negotiate and discuss claims issues with
your adjuster.
Agents Keep Your Policy
Accurate
A good agent will take the time
to review your policy regularly and make sure that everything is accurate and
you are still carrying the coverage you need.
An agent knows when changes in your life might affect your insurance
coverage needs, such as a marriage or a child reaching driving age. Large insurance companies simply can't
provide that level of personal attention.
Are Agents More Expensive?
There is a general view that an
insurance policy purchased through an agent will cost more than one purchased
directly. That isn't necessarily
true. The best rate for you may well be
one from an agency, so don't discount quotes from agents when you are shopping
for car insurance. You might get the
best rate along with the service an agent can provide.
You might not feel that you
need an agent for your auto insurance, but there are certainly some very good
reasons to take the time to meet with a few and see if it turns out to be right
for you.
