You may have been taught that to save time and money, you skip over the middle-man and go straight to the source. While that may be sound advice for people trying to cut a deal on a new car or better price on cable, it is not always the best solution when it comes to purchasing insurance. In fact, it could end up costing you much more time and money down the road. Continue reading to learn about the four no-nonsense ways that working with an independent insurance agent may not just provide you with a great agent, but the best car insurance rates as well.
1. Personal Service
You are an individual – someone who does not fit into a neat little box. A one-size-fits-all insurance package won’t work when you have unique coverage needs. Unfortunately, a website is not going to figure out what those needs are al by itself. When you work directly with an agent, you can easily explain your concerns and ask questions. Your agent gets to know you on a personal level and learns how to update your coverage as your needs change over time. Agents can check in on you to find out if it may be time to review your coverage and can also be there for you when you need advice or help filing a claim. Most of all, an independent agent is a person you can rely on to be there for you long after the ink has dried on your new car insurance policy.
It may seem that shopping online is the simplest way to purchase insurance. Unfortunately, you run the risk of purchasing the wrong level of coverage without the help of an agent. Not to mention, you might face days, weeks or months of inbox spam and solicitation phone calls. When you use an independent agent, you can shop and compare rates on comparable policies from multiple insurance providers – all under one roof. Think of it as a one-stop-shop for coverage with excellent customer service and a no hassles.
3. Peace of Mind
How important is it to have peace of mind? If your answer is “Very Important,” you’re in the right spot. Insurance is supposed to be a security net that ensures you are properly protected. Unfortunately, direct-to-consumer insurance sales are focused on competing with low rates rather than providing the correct coverage. An independent agent does not work for any particular insurer and therefore is happy to help you compare coverage and rates between carriers. Therefore, the focus can shift to consumer education, answering questions, explain coverage options, and cross-checking policies for gaps in coverage.
Though the quality of coverage is by far the most important factor to consider when purchasing insurance, finding the best car insurance rates is definitely a bonus. You are far more likely to find a competitive rate on car insurance when you compare rates from several different insurance companies instead of just one or two. Independent agencies like Lillie-Couch Insurance have affiliations with multiple insurers, which allows for greater choice and selection.
To find out how an independent insurance agent can change the way you purchase car insurance, contact our office today. We look forward to serving you soon.