Why Do I Need an Insurance Agent?
We live in a do-it-yourself world, thanks to the internet we can do almost everything ourselves without the help of someone else. So, why do you need an insurance agent when you can purchase insurance on the internet?
If all insurance policies were alike and if everyone had the same insurance needs you would be able to purchase insurance without the help of an agent. But, everyone has different needs therefore everyone needs insurance specifically designed for them.
To determine if you need an agent, it’s important to understand an agent’s role.
Identify Your Needs
This is one of the most important roles of an insurance agent. They help identify your needs to be sure there are no gaps in your insurance coverage. For example, the insurance needs of a young adult renting an apartment with an older car are far different than a married couple with a family and a house.
An insurance agent is going to look at each situation and determine the best coverage to be sure there are no gaps. Agents offer the knowledge skills to help you purchase the insurance coverage that fits you best. A service that internet insurance can’t offer.
Knowing the Insurance Company
Not only is it important to know your options and what you are buying, but it’s also important to know the company you are buying insurance from. Insurance agents know the companies they work for and they trust the companies.
Agents know the ins and outs of each company they work for and will be able to find the right company for you. Agents also know the reputation of each company and whether the company has a reputation for paying claims fairly and in a timely manner.
Once you and the agent have decided on the right coverage and which companies meet your needs, they will obtain quotes from each of the selected companies. These quotes will be competitive to ensure you receive the best rate while still receiving proper coverage.
After Buying Your Insurance
Agents are there for you from the beginning to the end. Just because you have purchased the insurance that is best for you doesn’t mean the services of the agent are done. Agents help with any changes you may have, contacting you to review your insurance every year to be sure your insurance still fits your needs, and much more.
Insurance agents are also there for you in the event of a claim. They help you take the first steps to get the claim submitted to the insurance company and they are there for you throughout the entire claim process. Most importantly, if there is an issue during the claim your agent is there to “go to bat” for you.
Also, in the event your premium increases, your agent will be able to help you determine why and to re-rate your insurance with there other companies to ensure you continue to receive the best rate while keeping the coverage that suits you best.
Purchasing insurance from the internet might be an easy solution at the time until something happens and you don’t have proper coverage.