When I got my kids a dog, I had no idea that it could affect my homeowners insurance. I happened to run into my insurance agent in the store when I was buying dog food and he asked me what kind of dog we had. When I told him, he said I should stop in the office the next day. I had no idea that things like this could affect premiums, so I started asking what else could do it as well. I created this site to help others understand some of the finer points of homeowners insurance and what they should think about to manage their rates.
One of the primary advantages of working with a car insurance agent instead of buying direct is the strong local knowledge that your agent can bring to the table. Many independent agents focus on insurance buyers in their local area, allowing them to become familiar with the insurance situation around them.
While big, national chains might come to mind when purchasing auto insurance, local knowledge can be surprisingly important. If you typically buy online from a national company, here are three crucial reasons you should consider working with an independent auto insurance agent instead.
1. You May Miss High-Quality Regional Carriers
While the largest insurance carriers have national networks, smaller, regional carriers often rank better with consumers. These carriers can sometimes provide more personalized service and help you deal with claims issues in a more timely manner. Unfortunately, there are many more regional carriers, and knowing which is best isn't always easy.
An auto insurance agent will have a deep familiarity with the regional and local carriers in your area and a more in-depth knowledge of their claims processes. This information can allow you to choose a smaller carrier that might save you money, provide better coverage, and potentially offer improved service should you need to make a claim.
2. National Coverage Can Vary
Even if you choose a larger carrier, their coverage and response times can vary throughout the country. Some insurance companies may provide better coverage and support in certain areas, even if they technically offer policies nationwide. Since independent agents often help with claims, they will know what kind of service you can expect from the big companies.
If a quick claims process is important or you've had a bad experience with an insurance company, an agent's advice and knowledge can be invaluable. You can discuss your prior experiences and expectations with your agent, allowing them to recommend a carrier that can meet your needs and help you avoid future disappointments.
3. Local Knowledge Is Essential to Claims
If you need to make a claim against your policy, local knowledge will be particularly crucial. While your insurance company may recommend local body shops (or their collision center), you are not required to use these services. Instead, your agent can help you work through a claim and select a local body shop that fits your budget and requirements.
Since the body shop you choose can often have the most significant impact on the outcome of your repairs, working with a local agent to choose a reputable and experienced shop may be one of the best ways to restore your car to its pre-accident condition.
Contact a local car insurance agent to learn more.
Share29 June 2023
