It’s summer! It’s time to slow down, enjoy the sunshine, and head out on that vacation you’ve worked so hard for all year long. It might also mean you finally have the time to handle some things you’ve been putting off, such as reviewing your car insurance. If you’ve had the same policy stuffed away in a drawer for years, you’re probably long overdue for a review. When considering coverage needs, keep in mind that a lot has changed in recent years. You now have the option to research your needs and look for coverage online without the help of an agent. The question is, should you? Continue reading to learn how the choice you make could affect the quality and value of your coverage.
Option 1: No Agent
If you decide to go direct and cut out the middle man, it is natural to assume that you will benefit by receiving an adequate coverage and a lower premium. However, this is not always the case. When you choose to buy direct, you are often limited by both coverage and price – whether you shop online or over the phone. It also means that in order to get comparable quotes, you will be spending a lot of time online or on the phone filling out forms or answering questions or waiting on hold.
Once you’ve found an insurance company you like, your next step is to choose which types of coverage you want and need, as well as how what limits and deductibles are best for your particular situation. If you do not know the ins and outs of the insurance industry, this can be an intimidating and confusing process. Even if you have a basic understanding of the types of coverage available to you, it can be difficult to determine how much coverage you will need to protect yourself against financial disaster.
If you make it through the shopping and purchasing process, you will be insured, but at what cost? Without an agent, you’ll find yourself talking to a different representative each time you call to get answers or work through the claims process. Furthermore, no one will be there checking in on you to ensure your car insurance coverage is still meeting your needs.
Option 2: Using an Agent
When you opt for the help of a local car insurance agent, you first and foremost gain the knowledge and experience of a person who was trained and licensed with the sole purpose of finding you the right car insurance. You can trust that when you sit down with your agent, you are speaking with someone who is really listening to your needs and concerns. Agents will assist you through the purchase process, help you with claims, and offer personal support long after the sale.
Of course, not all agents are the same. You can work with a captive insurance agent who represents one insurance company, or you can open up a world of options by working with an independent agent like those you’ll find at Integrity Insurance Agency here in Topeka or Burlington. With an independent agent, you can shop and compare coverage options from a wide range of Kansas car insurance companies all under a single roof. At the end of the day, you can trust you have received an excellent value and the service you deserve – all from the convenience of a single agent.
The Answer is Obvious
If you have never worked with an independent agent, this summer is the perfect time to give it a try. Contact our office to speak with one of our helpful team members and find out how we can save you time, money, and a lot of frustration on the coverage you need. We look forward to serving you soon.