For most people, choosing a vehicle insurance provider can be an intimidating process. What type of coverage do I need? What is comprehensive vs. collision? Who do I contact if I need to make a claim? The list of questions goes on. If you are familiar with insurance options and you know what you’re looking for, shopping online will probably work for you. However, if you are unsure of your needs and what is available for auto insurance, sitting down with a local insurance agent might be a better option.
A local insurance agent can walk you through the type of coverage that would be best for your personal situation and advise you which options would be worth considering and which ones are not necessary. Cheaper rates may leave you vulnerable in some areas in the event of an accident. A local agent can also save you time and effort by entering in your information and checking with all the insurance companies rather than you entering your information on each carrier’s website individually by yourself.
Most of the time, policies and quotes you receive online may not be much different than what you can receive from a local agent. But in the event you have to make a claim, a policy change, or simply have a question, would you rather talk to whoever is available on the 800 number or someone you can speak to face-to-face that knows all about your situation? Customer service carries a considerable amount of value.
When shopping for insurance, choose an agent or a company that gives you peace of mind, and is someone that you can develop a working relationship with. When questions do arise, you have a person you know and trust.
There is no one-size-fits-all insurance plan, or one perfect way to shop for insurance. Determine your protection needs, do your research, and find the best option for you.