I was with the same insurance company for 10 years using the same local agent. My car insurance rates kept going up every time my policy was renewed. I decided to explore and see what better rates I could get with other car insurance companies. Friends and family gave me names of local agents from insurance companies they used. All the agents quoted me really high. Then, I called a major insurance company’s 800 number (not through an agent) and got the lowest quote. So, why do people use insurance agents? Is there a reason why it’s better to use an agent?
Home | Insurance | Blog article: What’s the difference between dealing with a car insurance company directly or a local agent?
roselle 11:57 am on October 7, 2009
In addition to what a-mac said; if you have a claim but you are unsure if it is covered you can discuss it with your agent without submitting it to the company. (Companies do not like this – fyi)
If you call the company, and it turns out there is no payout on the claim it will count against you and you will probably see a change in your rates.
Remember: you get what you pay for. There is one company that has an 800 number that I would be extremely cautious with…
Try this site to find the best car insurance
http://car-insurance-quotes-usa.blogspot.com/
Here you can get quotes from different car insurance companies in your area, its the best way to find an affordable car insurance with a reliable company.
LeAnne 11:57 am on October 7, 2009
Simply put, it’s easy and convenient to deal with a local agent – it’s a gigantic pain in the butt to deal with a major insurance company directly.
"Your call is important to us. (background elevator music) Please hold and the next available operator will be with you as soon as possible. (more music) Your call will be answered in the order that it was received. (cue the music again)"….. and on and on and on we go.
Mark 11:57 am on October 7, 2009
I live in ND and use an agent/800 contact in TX and have never had a problem. It’s just cheaper to leave out the middle man.
ECNS 11:57 am on October 7, 2009
Heres a good guide on insurance
http://buycheapinsurance.info/