When buying insurance for yourself, your family, or your business, you pretty much have two different option. You can either buy insurance through an agent or you can buy directly from an insurance provider.
When buying from an agent, there are many advantages. You get the chance to work directly with an assigned insurance agent who is local to your location and they may be someone you actually know personally. Many insurance agents operate in the same town that they live in.
Having an agent really works in your favor when crisis hits. Whether it is a car crash, a flood or whatever mishap leads to you needing your insurance coverage, having an agent to work directly with is a great way to move through the red tape. A good agent will fight for you and get you the money you need from your insurance company. Some insurance agents also are licensed to sell multiple products. They can be your one stop shop for your insurance needs. Just as many large companies offer bundling services, agents also may be able to help you out with a deal if you buy multiple insurance products from them.
An agent has an obligation to do the best for their client, the client is usually someone they have actually met in person. The agent is more interested in making sure that their clients have the protection needed for their individual circumstances. They take more time getting to know their clients needs and explaining what coverages the client should consider having in place in case a claim arises.
While there are many benefits of working direct with an insurance provider, there are also some negatives. If you need a custom plan you often have to rely on a call center rep who is paid hourly and trying to get through the day. They may not be the most helpful person in your time of need. You also may run into issues when you have questions or have to file a claim. An agent has been through the process hundreds of times and can help guide you. Without someone to guide you through the process you may end up lost.
Learn more info by following John on his Facebook and Website.