Nowadays, many consumers consider purchasing insurance online rather than through a local agency. While the idea of shopping from your computer or smartphone may seem attractive because of immediate convenience, there are many benefits that working with an insurance agent can only provide.
Slick ad campaigns for online insurance sellers tout their many benefits, but one thing they can't boast is the personal service that comes from working with a local insurance agent. You may not even know where to begin when shopping for a policy, but your agent will surely urge you to “call or come into our office if you need to know more about our insurance products” and actually mean it.
Working with the same agent or agency ensures that you’re always speaking to someone who knows you instead of a website bot or anonymous call center employee.
Insurance agents are uniquely qualified to understand several different types of insurance policies and can help you assess your needs to find the right product. For instance, you may be familiar with standard homeowners and auto liability coverage, but did you know products like a personal umbrella policy can provide additional liability limits you may need?
Not only will your agent help you find which products are right for your needs, you’ll also get advice on standard coverage limits and how to calculate the value of your assets to make sure you’re properly insured.
Large corporations have experts in risk management that help companies identify potential hazards and loss exposures. A family or small business can’t afford that kind of personnel, but working with an insurance agent who can recognize potential losses and help find the right product to insure against them is a great alternative.
One of the biggest drawbacks to companies that sell insurance online is that customers are often unable to purchase from competitors. One great benefit insurance agencies enjoy is the ability to place clients with several different companies, which means you always get the best product for the best deal. They can also advise you on discount eligibility and help you compare quotes to save you more money.
Shopping online for just about everything is the preferred method for many purchases. However, some things are just too important to simply click “add to cart” and go. Insurance policies are complex legal agreements that require experience and expertise to navigate, and that is exactly what working with an insurance agency will provide.