| The answer
in short is "Yes". There are several reasons why you
should secure the expertise of a licensed insurance agent rather
than price shop on the internet. We will only touch on a couple
of the most important key point for the purpose of this article.
Contact Your Agent In Case of an Accident
If you are in a accident be sure to contact your insurance agent
directly. Do not call your companies 800#. One of the problems
of calling the 800# is that they will immediately file a claim
regardless of weather or not they pay out for the damage. Contact
your agent first - they can help inform you of the upside to filing
a claim as well as how the claim can impact your pocket book for
years to come. You will not get this type of service from companies
who sell insurance directly online.
Are You Protected adequately?
Do you have the protection you need? This is something that a
good agent can help you determine. Many internet shoppers purchase
their insurance based on price - this can be a grave mistake.
All insurance companies are not created equal. Companies who have
adopted the the policy of selling policies online are not really
looking out for your best interest. After all - how does the computer
know what kind of assets you need protected. Personally I feel
that direct insurance sales over the internet should be illegal.
There is a reason that the state requires agents to be licensed.
When shopping for insurance use a company that has a dedicated
insurance agent instead of online.
What if I am in an Accident?
Another area where having an agent can be very beneficial is if
you are ever in an accident weather at fault or not. Your agent
can help you decide when and if filing a claim is in your best
interest. This can save your allot of money over the next 3 to
five years after your accident.
What Kind of Coverage's should I purchase?
This is a question that needs to be discussed with your agent.
It depends on many factors. Your agent will be able to discuss
this with you and help you determine the best coverage's for your
situation. Some companies offer innovative products that can help
protect you from rising premiums due to an accident.
In closing
- I recommend staying away from any type of quick buy insurance.
It is ok to shop online, just make sure that in the end you speak
with a licensed professional to help determine the best coverage's
for your situation. Remember price is not the only factor to consider.
Get
a Online Insurance Quote
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