Q&A: WHAT’S THE DIFFERENCE BETWEEN DEALING WITH A CAR INSURANCE COMPANY DIRECTLY OR A LOCAL AGENT?
Question by ☆skyblue:
What’s the difference between dealing with a automobile insurance company directly or a local agent?
I was with the same insurance company for 10 years using the same local agent. My automobile insurance rates kept going up each time my policy was renewed. I decided to explore and see what superior rates I could get with other automobile 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 superior to use an agent?
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Answer by a-mac
I like using an agent because if I have a question, I call the same person or I go to their office and sit across the desk from them. I do not have to call India and then give up and research answers on the web and hope for the best. I do not like the way huge companies dismiss the need for customer service!
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about 1 year ago
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…