Personalized Service
Personalized service is something a lot of people still look for in the insurance industry. With so many automated services in force, it’s a breath of fresh air to see a smiling face or get a person on the phone instead of trying to finagle your way through voice prompts. Lots of questions, maintenance, and claims surround car insurance. Having an agent is nice because you can always speak to the same person, which builds a strong relationship as compared to a different customer representative each time you call.
Knowing Your Area
Having a local agent who knows your area is also a benefit. An agent can relate to you and where you live. If you have a claim, an insurance agent will know the good body shops and glass companies to recommend in your area.
Potential Savings
It is possible to get a lower rate when purchasing car insurance direct. Since direct carriers do not pay an agent commission, theoretically the savings are passed on to the customer. One insurance carrier is never single-handedly the best or cheapest for everyone. You will still have to do your research on which carrier is the cheapest for your exact situation.
Insurance agents are no longer mandatory in today’s technology-driven world. Whether you need an agent or not is driven more by a personal preference for how you like to do business. If you are comfortable with insurance terminology and fully understand your policy, forgoing an agent is an option. The smartest option is to shop around for the best coverage at the lowest price, friendly and responsive service, and a carrier that suits your personal preferences.