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Auto Direct Insurance vs. Agency Insurance
Once upon a time, insurance agents were your sole resource for purchasing auto direct insurance. Today, companies like Geico and Esurance have changed the auto direct insurance landscape. When purchasing auto direct insurance, you have two choices. You can purchase through an auto direct insurance agent, or you can choose auto direct insurance from the company itself.
Even with the advent of auto direct insurance online and over the phone, local agents still serve a valuable purpose. Not only can they sell you auto direct insurance, but they can also advise you on auto direct insurance matters. For example, if you're unsure whether to file a claim for fear of your auto direct insurance rates rising, you can speak with your auto direct insurance agent and get advice at no charge.
There are two types of agents:
1.) Captive agents work for the auto direct insurance company and represent that company exclusively.
2.) Independent agents, also known as brokers, represent several auto direct insurance companies. These agents have no vested interest in any particular auto direct insurance company.
Purchasing auto direct insurance is much simpler than purchasing through an agent. You can make a quick phone call or go online, and an auto direct insurance policy is yours. You can even compare auto direct insurance rates online. Contrast this with the effort of driving to see an agent. You might have to endure the possibility of timeshare-like sales presentation for other insurance products. It's also a little more work and less efficient to get auto direct insurance quotes from agents.
On the other hand, an auto direct insurance agent is someone with whom you can build a relationship. He or she will be attuned to your needs. An independent agent, for example, can help guide you to get insurance through the best auto direct insurance company for your particular needs. Not all auto direct insurance companies are created equal!
Beware, however, that independent agents may charge a fee for their auto direct insurance services. Before agreeing to any auto direct insurance services, make sure you get the auto direct insurance fee in writing. Look for auto direct insurance agents that are certified by Independent Insurance Agents of America (also known as "The Big 'I'") or Professional Insurance Agents (PIA).
When purchasing auto direct insurance, weigh the pros and cons between dealing with an auto direct insurance company or with an agent. Look at your own situation and determine if the potential monetary savings of going with an auto direct insurance company outweigh the personal attention of an auto direct insurance agent. After all, saving money isn't everything!
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