What to Know About Car Insurance Agents Before You Buy

Most people start their search for car insurance by going online to their favorite search engine and getting quotes for a basic policy. While online car insurance companies offer easy, affordable, and adequate coverage there are times where you will have questions. If you need to know things like what liability coverage will work for you, or what discounts are available, or how to get help when involved in a car accident then you may want to consider talking with a car insurance agent.

TIP: You may decide that you don’t need an agent, however, it is a good idea to explore what one can do for you before choosing your car insurance policy.

The Initial Conversation with a Car Insurance Agent

Establishing a relationship with an agent may be your best bet in getting the type of coverage you need at the greatest savings. A short conversation with a knowledgeable car insurance agent might uncover gaps in your car insurance coverage that you were unaware of, or help you find discounts on your car insurance that you didn’t know were available to you.

As you talk with an agent, they will get information about you to better assess your car insurance needs. Among other things, you will likely be asked to provide details on your finances, marital status, driving history, how frequently you drive, and whether you are a student or in the military. As you work with your agent, they will be able to identify areas where you can save money, and areas where you may need additional insurance coverage. A good car insurance agent will help you flush out areas of need and give you the insurance coverage you need to manage your risks. And it is FREE!

TIP: Because it does not cost you anything, it is a good idea to have a conversation with an agent before making a car insurance decision. In addition to finding the best auto insurance coverage, an agent may be able to suggest insurance coverage for your possessions or home as well.

Your Continued Relationship with Your Car Insurance Agent

Once a good relationship is established with your agent, they can continue to assist you as your life circumstances and car insurance needs change by reviewing and updating your policy. Should you get married, have children, need to add drivers to your policy, or need to change your coverage to save costs, your agent will be available to talk to you and help you find the best policy to fit your new car insurance needs. Your car insurance agent can reduce the stress of adjusting your car insurance policy by doing all the leg work to find the best car insurance coverage.

Should you have a car accident, your car insurance agent will be your first point of contact. Since you have a relationship with that person, you may find that the process of filing a claim and reaching a settlement is smoother and more comfortable. Your car insurance agent will try to make the process easy and quick so you can recover your damages and get back on the road.

TIP: Although your agent will be friendly and helpful during the auto insurance claim process, remember that they work for the insurance company, and NOT for you. Your agent’s primary interest is saving your car insurance company money and time, even when helping you with a claim. This is not to say they are going to deceive you or take advantage of you, but it is smart to carefully, and objectively, review any settlement offer you receive before accepting.

Your priority should be getting a fair settlement, not maintaining a good relationship with your car insurance agent. Contact a car accident attorney if you have any questions about the claim settlement process.

Choosing Reputable Car Insurance Agent

Most agents are licensed by the state in which they sell insurance. Further education including insurance designation such as CIC (Certified Insurance Counselors) or CPCU (Charter Property Casualty Underwriter) signifies that the agent has furthered his or her education in the field of insurance giving them the expertise to help you with your risk management. In order to find the most qualified agent, you are free to ask to see the agent’s license and certifications before talking with them.

Ultimately, the decision to purchase car insurance online or from a car insurance agent is up to you. If you do not feel the need for a personal touch from your car insurance, then you do not need an agent. On the other hand, if you like the idea of having a point of contact, and source of information, then you will be better served with an agent to help. If you are looking for a reputable agent in your area that could provide you with a quote on your car insurance as well as discuss the possibility of other needs, click here to visit the Free Advice quote center.

For more information about getting the right car insurance policy to fit your needs, check out the following articles:

Click Here for a FREE car insurance quote today!

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Basic Types of Auto Insurance Coverage

What to Know About Car Insurance Agents Before You Buy

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Case Studies: Understanding the Role of Car Insurance Agents

Case Study 1: Uncovering Unforeseen Risks

John Doe decided to purchase car insurance online to save time and money. He felt confident that he had found a policy that met his needs. However, shortly after the purchase, John’s car was involved in a major accident. When he filed a claim, he was shocked to learn that his policy didn’t cover certain damages and medical expenses.

Seeking assistance, John contacted a car insurance agent for advice. The agent reviewed John’s policy and identified critical gaps in coverage, particularly related to uninsured motorist protection and medical payments.

The agent explained the importance of these additional coverages, especially in cases where the at-fault driver was uninsured or underinsured. Thanks to the agent’s guidance, John was able to adjust his policy and secure the necessary coverage to protect himself and his finances in the future.

Case Study 2: Maximizing Discounts for Savings

Mary Smith, a careful driver with an impeccable record, was in search of affordable car insurance that offered excellent coverage. She obtained online quotes from various companies but was unsure which one provided the best value for her money. At the recommendation of a friend, Mary decided to consult a car insurance agent. During their discussion, the agent asked specific questions about Mary’s driving habits, employment, and affiliations.

The agent then identified several discounts that Mary qualified for, including a safe driver discount, a low-mileage discount, and a discount through her employer’s affiliation with a particular insurance provider. With the agent’s assistance, Mary was able to combine these discounts and obtain a comprehensive policy at a significantly lower rate than any of the online quotes she received.

Case Study 3: Handling a Complex Claim Process

Robert Johnson found himself in a complicated situation after a car accident that involved multiple vehicles. The claim process with his insurance company became overwhelming, and he was uncertain about how to navigate it. In desperation, Robert reached out to his trusted car insurance agent, who had been his go-to advisor for years.

The agent immediately took charge of the situation, liaising with the insurance company on Robert’s behalf. They worked together to gather the necessary documentation, evaluate the damages, and negotiate a fair settlement. The agent’s expertise and dedication ensured that Robert received proper compensation for his losses and was able to get his life back on track as quickly as possible.