Lots of people make false assumptions about insurance agents; most of the time, they consider them unneeded middlemen. These people hop online and see a bunch of cheap insurance rates; they mistakenly figure that an inexpensive policy will cover them if anything happens. Oftentimes, when these people are involved in an accident, they end up shocked by how unresponsive the insurance company is; without an agent, it’s almost impossible to get a reasonable response from an insurance provider.
Insurance agents help you navigate the complicated insurance world. If you are considering a new policy, an insurance agent can help you in the following ways:
Contrary to what many people believe, you can’t always get the lowest insurance rates online. Online sites quote you low rates in the beginning to suck you in; after you sign up with them, they raise the costs on you. When you work with an agent, you get a real quote; they don’t finagle the numbers to try to entice you.
Insurance agents are aware of what’s happening in the community; an insurance agent in Philadelphia knows the area they work in better than any online site. Because of this, insurance agents get special prices directly from the insurance company. They get these lower rates because the insurance company knows that they will put the consumer into a policy that suits them; this lowers the risks for the insurance company. Low risk means that it costs them less in the long-run.
Easy To Buy Insurance
It’s a lot easier to buy insurance when your agent is doing all the work for you. If you have ever dealt with an insurance company directly, then you understand how difficult communication can be. Insurance brokers work hard to make your life easier. They get paid on commission, so they always work hard to guarantee that you are satisfied with their work. The last thing they want you to do is to switch agents.
Getting quotes through an agent is just about as quick as getting them online. The main advantage of using an agent is that you get better service when making mid-period changes, requesting documentation and getting questions answered. If you don’t have an agent, your customer service query gets directed to a call center; the people in the call center don’t have the specialized knowledge that your agent has. It can take a real long time to get any results.
If you want fast and easy results, it is important to hire a good agent. Agents are there to take care of you; they work hard to make sure that you are always satisfied. When you shop for insurance online, you get stuck with inferior service.