So you need to buy insurance? There are so many options out there that you say, “Eh… I’ll save myself some time and just go online and buy direct. It’s quicker, it costs less, and I’ll get the coverage I need, right?”
When you are buying insurance, talking to an agent will often take less time, cost the same amount of money or less, and is a far better way to make sure your insurance “needs” are being covered rather than just meeting minimum insurance requirements. Not to mention, when the worst happens and your are depending on your insurance to take care of you, do you want to be talking to a computer or a real person?
When it comes to auto insurance coverage, there are minimum requirements set by the state you live in. Sooner or later, it is likely you are going to get into some sort of accident situation, and perhaps one for which you are liable.
In this situation, you don’t want to be stuck holding a policy you got from and online insurance agent that just covers the state’s minimum requirements. You could wind up on the hook for a lot of money, when a few more dollars per month might’ve saved you such an unsavory situation.
If you were to buy online insurance, you could actually find yourself buying into coverage that doesn’t meet your individual needs, and ultimately spending beyond what’s really necessary. Or, even worse, spending money on redundant or totally irrelevant coverage.
An agent will be in it for the long haul. They want your long term business and are trying to establish a personal rapport with you, something a computer can’t do (well, not yet, anyway). It is in an agent’s best interest to get you the right insurance policy that makes you happy in all facets of your insurance needs. It’s also in that agent’s best interest to make sure every one of your hard earned dollars is being spent wisely when it comes to your car insurance purchase. Ultimately, when your agent cares about you and it is in their best interest to look out for you, everyone wins.
A personal agent will look at the big picture concerning your family, occupation, and the type of vehicles and other policies you have, to evaluate and decide what coverages make the most sense for you.