Agency over Online Insurance

Advantages of Agency over Online Insurance

The age of the internet is here.  You can order most things online and have your purchase completed with a few quick clicks of your computer.  While this type of shopping has its perks, such as speed and convenience, it can also come with some drawbacks.  If you are in need of insurance coverage or would like to review your existing policies, an agency has some distinct advantages over the internet.  Here are ten advantages an agency offers you versus online insurance.

  1. Customer service

The service level of an agency is simply unparalleled when compared with insurance shopping online.  Your insurance agent can offer a personal touch including face to face interactions and an emergency contact when needed.  Many agents will give customers their cell phones or have their phones forwarded in the event of emergencies.  Online providers may be difficult to get ahold of or have limited service representatives available.

  1. Customization of your policy

Online policies are limited to their algorithms and formulas.  An established office can use their years of experience and expertise to provide the best priced customized policy.  If you are a world traveler, have assets over a certain threshold, or need non-traditional coverage, an agency will have the experience or partnerships to meet your out of the ordinary insurance needs.

  1. Pricing options

Online insurance can have limited options.  An independent insurance agency can work with numerous companies and quote your insurance needs with all of them.  This gives you a leg up when it comes to price shopping and getting the best coverage at the best rate possible.

  1. Websites have technical difficulties.

When an insurance website experiences a glitch, and processes your payments multiple times or doesn’t produce your insurance documents you may spend quite a bit of time trying to track down a live human being to help you correct the issues and get your policy issued.  If you run into trouble, you could find yourself trapped in the abyss of a phone tree with important time wasted waiting to be connected to a human being.  If you choose to work with an agency, it is your agent’s job to deal with any glitches, giving you more time and fewer headaches.

  1. Work with someone who knows you

If you use online insurance you may end up speaking to a different person every time you call for help or have questions.  Purchasing insurance online can be frustrating as you may have to explain your situation multiple times to several different people.  Working with an agency guarantees that your agent will form a genuine working relationship with you.  He or she will already know the particulars of your policy and your insurance needs.  This can save time and hassle as well as help ensure that you are getting the information you need to make the best insurance choices possible.

  1. Leave the research to your agent

If you have questions about insurance you can simply call your agent or drop by his or her office or you can spend hours scouring the world wide web.  Unless you are very comfortable with the ever-evolving world of insurance, you can spend hours online researching questions you may have.  You also have to carefully vet the information you find online to make sure it is accurate.

  1. Computer literacy is not required

When you work with an agency, we do all the heavy technical lifting for you.  If you are not comfortable with your computer skills and technical knowledge, then purchasing insurance online is not a good idea.  Navigating anything online can be challenging and you don’t want to take chances when it comes to your insurance coverage.

  1. An agency can offer you homeowners insurance

Many online companies do not offer homeowners insurance.  This is not only inconvenient, it can also prevent you from obtaining multipolicy discounts.  Some online insurers are now starting to partner with companies that can provide homeowner’s insurance but this still doesn’t give you the possible savings that come when you bundle your policies together.

  1. The claims process can be much easier and less stressful

Navigating your way through filing and following through on a claim can be daunting.  If you purchase online insurance, you will be going it alone.  When you work with an agency you have skilled experts who can file your claim and walk you through every step of the process, ensuring your needs are met and your claim is handled correctly.

  1. Understand your policy

It is absolutely critical that you understand what is and isn’t included in your insurance policy.  If you are able to read long, complex insurance documents online and understand them than buying online may be for you.  However, if this doesn’t sound like your strength, working with an agent may be a much better option.  Your insurance agent can sit down with you and explain the ins and outs of your policy so that you fully understand your coverage.

When insurance shopping, it is important that you use the method that makes the most sense for you.  While some people may have simple needs that can be easily and quickly met online, an agency provides a level of service and accessibility that shouldn’t be underestimated.  The advantages of an agency can benefit you in getting, maintaining, and using insurance benefits at any time.

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