Sometimes “cheap” car insurance costs you more in the long run.
Learn the benefits of working with an insurance agent, even in a digital world.
Quick take: Why work with an agent for car insurance?
• Working with an insurance agent can help you get a personalized review of your coverage options.
• An agent can assist with starting the claims process.
• Annual reviews help you check in so that you can make sure coverage is still a good fit.
• The agent relationship can help you feel confidence that you’ve chosen the right insurance coverages.
The way I look at it, with insurance companies that sell online or through 1-800 numbers, you plug in what you think you need or want, and the direct insurance company spits out a price. The problem is that one-size-fits-all approach doesn’t always work when it comes to insurance, whether it’s for your car, home, life, pet, etc. Every person’s situation is different, and choosing the cheapest option could potentially mean you do not have all the coverage you want.
When you work with me, I am here to ask important questions pertaining to you and your lifestyle, to help you find the policy you want and need.
“What’s a potentially downside of buying insurance without an agent?”
One of the biggest mistakes people can make when shopping online for car insurance is not having enough liability coverage, which is coverage if you’re found negligent in an accident. It might be tempting to go for the minimum coverage, but it may not be enough if you are responsible for another person’s injuries. In the State of Kansas, for example, minimum coverage is $25,000 to cover someone’s medical bills. Let’s say you injure one person who has medical bills in the $50,000 range. The insurance company is only responsible for $25,000 and the insured may be on the hook for the other $25,000. That’s a scenario no insurance customer wants.
When you shop coverage online, you don’t have someone to walk you through those types of important decisions.
“Does an agent help when I have a claim?”
Yes, I can. Another reason it helps to work with me is the added support provided during the claims process. I encourages my customers to call us first, and we will go online and file the claim for them. We follow up on the claims, too, serving as a liaison between Farmers® and the customer.
“Can an agent help so I keep my coverage up-to-date and get the insurance I want?”
You should consider reviewing your insurance coverage at least annually. I can provide a Farmers Friendly Review® so customers can go over their coverages and make sure they have the coverages they want and still find them to be a good fit.
I am a local agent and a licensed professional who is here to help you. That’s key when you’re trying to protect your biggest assets. You don’t always get that online or through a 1-800 number, which can feel like you’re just a transaction. Working with me, you will feel a more personal connection.
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