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Personal Insurance

Ditch Geico! 4 Reasons Why You Should Use Local Insurance Agencies

By October 17, 2018February 7th, 2022No Comments

Esurance, Geico and other large insurers are people’s typical go-tos, but we’re going to tell you why you should use local insurance agencies instead.

Bought a new car? Thinking about buying one for your son or daughter for their birthday?

If you’re thinking about when the right time to buy an insurance, that time is now. Accidents happen all the time and most of the time, they aren’t even your fault.

There’s a right policy for every age and every aspect of your life. When we’re talking about numbers, though, things might get confusing.

That’s why you should enlist the help of a local independent insurance agent. They can help you understand your exact needs and the right insurance coverage for you and your family.

However, the hard part is searching for the right agency. Before you go on the search, why not consider local insurance agencies first? They may be able to help you more than bigger companies.

How so? Find out below.

1. To Get a Great Customer Service

Local insurance agencies pride themselves with having better customer service than large direct carriers, especially those that operate online. What makes them better anyway?

That’s because you get to talk to a real live person when you need to. You don’t need to call an 800 number, where you will be just another “number”.

Chances are high that you might have to talk with several people from different departments before you find someone that can provide actual help. What’s worse is that you might have to repeat your full situation to each one of them.

A local insurance agency, on the other hand, is always ready to take your call. Someone will always be on the other end of the line who’s familiar with your coverage, knows the community and is there when you want to meet with someone face to face.

You’ll be sure to get the answers you want in an honest and straightforward manner.

2. To Have a Personalized Experience

Everyone has different needs, and so the right insurance plan is also different. Your local insurance agent will make sure you are not give a “cookie cutter” policy but a truly custom insurance plan that fits your needs.

The online only insurance companies don’t offer the same custom experience. Resulting in policies and options based on price alone. You then end up with a plan that might be lacking or might have something you don’t even need.

If you want a policy that fits your budget, needs, and goals, talk to a local insurance agent instead. They take the time to listen to you and understand these factors. They then make a suitable recommendation for you.

They understand that choosing an insurance plan goes beyond choosing based on price. They know that you must have an adequate coverage with great value. They’ll also be able to explain these things to you, making sure you 100% understand what you’re putting money into.

Because local agencies employ locals, you also know that they have a greater understanding of your needs. Will a company based somewhere else know the specific risks in your area? We can’t be sure, but you can be sure that a local agent will be familiar with these things.

3. To Get the Type of Insurance You Need

Do you need insurance for a car you bought for your kid or for yourself? Is the insurance policy supposed to cover vehicle damage in a road accident or will it also include damages from natural disasters, like floods or earthquakes?

It doesn’t stop with auto insurance, either.

Do you need a local health insurance agent to get a health insurance policy? How about car insurance? Do you need home insurance as well?

Local insurance companies are a one-stop shop; making sure you have a comprehensive plan to protect your family.

You won’t have to deal with different companies and keep track of different records. This helps you stay organized and makes it easy when you can work with one local agency instead of multiple companies.

Aside from auto, life, and health insurance plans, you can also ask your agent about getting a commercial insurance coverage, for your business. There are a variety of insurance coverage options available to you; you only need to ask.

4. To Get a Peace of Mind

Because you know that the agency is a member of your community and easily available to you, they always have your best interests in mind. You can trust that you’ll only get the best insurance policies for your needs. You’ll have peace of mind knowing that you have the right coverage without needing to break the bank.

We never know what’s going to happen in the future. That’s why we want to set up insurance plans so we can have a safety net in emergencies.

This is what makes having the proper coverage so important. You don’t want you, your business, your family, or your car to be at risk.

Because they’re also right around the corner, you know that you’ll get help whenever you need it. Are you moving out of your rented apartment to a new home? Are you marrying your partner soon? Are your kids getting ready to drive?

Whatever change is happening in your life, you can rely on a local agency to accommodate the changes. Think of them as a lifetime consultant whom you can contact anytime for inquiries, updates, and such.

How to Choose the Right Local Insurance Agencies

Of course, you’ll only get to enjoy the benefits above if you choose the right local agency. First of all, you’re looking for a business that’s trustworthy and established.

An insurance agency that is involved in the community, supporting local groups and charities, speaks highly to their values as an organization. This helps in identifying a caring, engaged insurance agency that will protect you and your family.

Ask around your neighborhood if you want to get a recommendation. Your friends, colleagues, and neighbors will be happy to suggest a company they trust. If they’re happy with the company’s level of service, it’s worth checking out.

Even more valuable, look the agency up online. Online reviews from current clients highlight the true service the insurance agency provides.

Aside from the agency, the agent matters, too. Choosing an insurance agent is like choosing the company itself – you have to look at the trustworthiness and reliability.

Beyond that, assess how they talk to you. Are they friendly and patient in answering your questions? Are they knowledgeable in the industry?

If they respect you and have a deep understanding of your needs, you found the right agent. Remember that you must feel comfortable talking to them, and they must have the expertise to help meet your insurance needs.

Find the Right Agency Now

There are a lot of local insurance agencies out there, making the search more daunting.

If you want to skip all the hassle but still want to get a reliable agency, contact us now. We’ll provide the right insurance solutions for you.

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