Buying auto insurance can be complicated. You need to consider multiple factors, including the types of policies and costs involved, making it difficult to decide which offer suits you best. This is why many people today still prefer to work with car insurance agents.
Car insurance agents fall into two main categories—captive and independent agents. A captive agent sells insurance policies from one carrier, while an independent agent sells policies through multiple carriers. Here are four reasons to work with an independent car insurance agent.
Save Money
An independent auto insurance agent compares similar insurance policies from different insurance companies, allowing them to determine the most affordable option for you. They also leverage their experience to keep insurers honest with their rates.
Many insurers are willing to lower their rates when issuing policies through reputable car insurance agents. That's because they know these agents will provide their clients with sound management advice, helping to reduce their risks and exposures.
They Give You Choices
As already mentioned, independent agents represent many insurance companies, offering a wide range of coverage options and prices. There is no need for you to spend valuable time filling out multiple online applications to compare quotes or even accepting a quote from a company without being sure it's the best for you.
Your car insurance agent will use their connections and knowledge of the market to find the right mix of coverage, price, and service for you. In the end, you'll not only get value for your money but you'll also be protected in case the unexpected happens.
Personalized Service
Personal interactions are critical when dealing with something as delicate and complicated as insurance. Whenever you have questions about your policy or claims, it's more refreshing to talk to a real person directly or through a phone call instead of getting your answers through chatbots and voice prompts.
Moreover, as you continue working and talking to the same agent, you get to build a strong work relationship. You can call them anytime you have got a problem, and they will go above and beyond to address your needs. You will also feel safer divulging sensitive information because they have your full trust.
An Unbiased Opinion
If you're working with an insurance company directly, you can be sure they will recommend their products as the best. The same case applies when working with a captive agent. Any advice they give you will always serve the interests of the insurance company they are working for so they can earn a commission.
However, what you want is a person who serves your best interests. And this is where an independent agent comes in. Independent agents aren't loyal to any particular company, so any advice they give you is honest and unbiased.
Contact a local car insurance agent to get started.
