Every day, we are bombarded with commercials and ads for
online insurance companies that offer various discounts, benefits, and other draws
to gain your business. Buying insurance
from an online company might be easier, but in the long run, it might not be best.
One of the biggest advantages to working with an agency is
the personalized service you receive.
Many agents already know their clients personally; if they don’t, they
will take the time to get to know you and your needs. Then they can identify the best coverage for
those needs. (Independent agencies offer even more choices, as they are not
aligned with one carrier and can shop around with several carriers to find the
best policy for you).
If you file a claim, the agent will take care of the
paperwork and track its progress from beginning to end. Your agent will always
look out for your best interests and stay in touch with the carrier so they can
reach a positive outcome. They will also
keep in regular contact with you for things like annual renewals and pending
cancellation notices.
Many agencies also sell various products, so you can
purchase more than one policy from your agent and have all of your coverage in
one place. Several carriers offer discounts for bundling policies (home and
auto is one of the most common), so you could save money if you have multiple
policies with the same agent.
Customers like the convenience of buying insurance online
because you can simply fill out a form and the company does the rest. There is also some cost savings because
online companies don’t pay a commission to an agent. But if you file a claim,
it’s up to you to stay in contact with the company until it’s resolved. Many online companies just sell one type of
insurance, so you’ll have to find the policies you need on your own, and likely
spend more on premiums since you’ll be paying different carriers.
Before you buy your insurance online, see what a local agent
can do for you. ETA Benefits Group is a local independent agent that sells a
wide range of insurance and works with several different carriers to offer
clients the best coverage at a price that fits their budget.
Have you ever bought
insurance from an online company? What was your experience? We’d love to hear
from you in the comments below!
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