What can an auto insurance agent do for you? You've seen commercials about easy insurance apps and web-based services. But if you're still not sure if it's better to use an agent or a self-guided approach, take a look at what you need to know about auto insurance, agents, and the top reasons why you may need help from a professional.
Which Type of Car Insurance Agent Is Right for You?
There are two primary types of agents—agents that work for auto insurance companies (also known as captive agents) and independent agents. A captive agent has a high degree of knowledge about their company's insurance products and can continue to serve your account after you purchase an initial policy. If you've already chosen an insurance provider, a captive agent can provide you with the information necessary to choose the best type of coverage.
Drivers who aren't sure which company they want to work with may need to explore the possibilities an independent agent has to offer. An independent agent is not an auto insurance company employee. This means the agent can help you to learn more about different carriers and the policies each one offers. Think of the independent agent as a connection to the insurance industry—but not to one specific company.
Why Choose an Agent?
Both types of insurance agents can help you through the selection and buying process. Whether you're new to auto insurance or you're just not sure how to choose the best policy for your needs, the advantages of working with an agent (over an app-based or self-guided web option) include:
Professional knowledge. Auto insurance policies are often confusing—filled with industry-related jargon—and are difficult for the average person to compare without help. An agent has the in-depth knowledge and experience to cut the confusion.
The ability to answer questions. An app or website may have a frequently-asked-questions section. But this may not address your individual concerns. An agent is a real person (not computer code) who can answer your insurance policy questions.
A personalized type of service. You have insurance needs—and these needs may differ from someone else. An agent can personalize your policy. This can help you to find the right level of coverage at the best price.
Not only can an insurance agent help you during the initial buying process, but this type of professional can also help you to assess an existing policy, use your policy, and choose new coverage in the future.
Contact a local auto insurance agent to learn more.
Share28 October 2022
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