In this era of the Internet immediate access to wholesale prices and discount goods, many consumers may be tempted to buy insurance the same way they buy music immediately downloaded from the source. While some purchases, it may be wise to reduce middlemen, so to speak, insurance is not the same as a new mattress or DVD. Want to go to a lawyer during the real estate closing? What if you had been unfairly arrested? Expert advice is important and your independent insurance agent can provide that, along with a layer of protection that you can not get any other way. We talked about the value of local insurance agents, independent before, but it always helps to rethink
Most people realize that insurance can be purchased in three distinct ways :.
- Directly from an agent of the insurance company
- Internet agent or phone, which may represent several different companies
- through an independent insurance agent in your community.
Buying directly from an insurance company means that you are not getting any comparison to other policies that might serve you better. It is not in the best interest of the company to refer you to another company, after all.
Internet and telephone agents can represent several different companies, but they are not members of your community. This not only means that they simply can not be aware of the conditions and specific national and local laws, it also means they are not as responsible as anyone you can visit at any time. If you buy insurance directly, you are also directly responsible for the level of coverage you can or can not have. This may mean that you are not covered when it counts, because nobody can be an expert in all areas.
A local independent insurance agent is an expert and your representative. They are licensed professionals who know the local conditions closely. They may recommend coverage that will keep you, your family and your property safe. It is in their interest to keep you happy and they can tour several different companies to find the policy you best. When your life changes, they can help you change your insurance policies to suit your new circumstances. Your agent knows you and recommend policies that suit your lifestyle. Too often, people buy price and sometimes unknowingly sacrificing coverage, a point to this writer Insurance Agents the fact magazine. What is the quality to save a few dollars if you risk a loss that cost you thousands?
Your insurance agent can also help when you need to file a claim. They act as your agent and not to the company. This can offer a lot of peace of mind at a time when you may need it most.
Do not have an agent? Here is a list of New England independent insurance agencies.
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