The choice between buying auto insurance through an agent or directly from the insurance company is really a matter of personal preference. The bottom line is using someone that will give you the best deal with the least amount of hassle. Sometimes a local insurance agent is best – especially if that same agent carries policies for your home, business or life insurance and can combine coverages to save you money and time. In the same vein, going directly to the company can sometimes be easier – especially now that insurers like Geico, Progressive, e-surance.com and Allstate offer online options to get quotes and purchase insurance within minutes.
How much service do you need? If you know what kind of insurance you want, don’t need advice and are savvy with filing claims, then going directly to the company is probably for you. However, if you don’t know what kind or how much insurance you need, an agent may be able to provide you with more personalized service, more advice on policy limits and more assistance should you need to file a claim. If you do decide to use an agent, keep in mind that there are independent agents (or brokers) – those that shop around to several different insurance companies for the best deal, and exclusive agents – those that have exclusive relationships with one or a few, specific insurance companies. Each type has value depending upon your needs, but make sure you know what kind of agent they are before you give them your business.
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