Today it seems like everyone wants immediate access to discount prices and merchandise. This is why sites like eBay and Craigslist are so popular. Due to this people are tempted to buy insurance the same way. I mean it is easy right? Just go to a web site, get a quote and boom! Your covered. Not so fast. It is much in your favor to seek out a local insurance agent who specializes in the industry to find you the lowest quote. Otherwise you are shooting yourself in the foot. Insurance is not the same as buying a new TV or video game console. I think it's time to set the record straight.
There are three absolute ways you can buy insurance:
1. Directly from an agent of any insurance company. 2. From the internet or over the telephone. 3. Through an independent insurance agent in your local community.
Let's break these down into detail shall we? Buying directly from an insurance company means that you are taking their word that they are the cheapest. Maybe they had a funny television commercial or internet ad and you thought they had a point, who knows.
Internet and phone agents might represent various companies, but they are not members of your community. They are going to sell you whatever is in THEIR best interest. NOT YOURS! Not to mention they might not be aware of specific state and local conditions and laws so they can't be held accountable if you get into trouble. That and how are you going to go back to them to fix anything?
A local independent insurance agent is an expert and your representative. They are licensed professionals who know and understand local conditions and laws. They can do the research and recommend the coverage that will keep you, and your family safe. It's in their best interest to keep you happy. Like I said they will shop around different companies to find the policies and prices that best fit your needs. When your situation changes or your life is taking an unexpected turn, they can help you change your insurance policies to reflect your new changes. Your agent knows and understands you. People have the tendency to shop around for prices and unknowingly sacrifice coverage. What's the point of saving a few dollars if you risk a loss that costs you thousands?
Your local insurance agent will also help you when you need to file a claim. They do what's best for you not what's best for the company. That will offer you a peace of mind at the end of the day knowing you have an agent that has your back.
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