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1-800-WHO-CARES - The Importance of Having an Agent! |
Today many people are turning to the internet to purchase car insurance. Insurance companies have made it very easy to purchase online, however, the internet insurance buyer often doesn't realize what they are missing by doing it this way. Here are a few things to keep in mind:
Advice to Get the Correct Coverage's: Insurance agents advise you on having the correct coverage for your personal situation. Many of the online companies claim they can save you 15%...but a lot of the time the savings comes from cutting coverage. Your financial future can be destroyed if you are involved in a lawsuit and don't have enough coverage! Having an insurance expert who advises you to make sure you are covered correctly is HUGE!
One Person to Talk With: Having a reliable agent is very important. The phrase 1-800-Who-Cares applies to many of the online companies. Every time you call them, you speak to a different person in their call center on the other side of the country and hopefully it's a person you can understand! Working through an independent agent gives you one person to talk with and someone who knows you and your family personally.
Help with Claims: An agent can walk you through the whole claims process. When an accident happens and you need to file a claim, an agent is there for you. Everything from getting the claim called into your company, to finding you a rental car, your agent can help out along the way.
We work for YOU...Not the Insurance Company: Probably, the most important point is that an independent agent works for you, the client, and not the insurance company. In the event something changes in your insurance situation, like a price increase due to claims or you get a few violations, an independent agent can switch you to a different company. Do you think your online company is going to be understanding and help you in the time of crisis??
The point of this blog post is...
You get what you pay for! When you buy cheap insurance expect to get cheap service. Agents are very crucial!!
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