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Perks to Consider an Agent for Auto Insurance

Personal_Finance / Insurance Oct 21, 2017 - 04:23 PM GMT

By: Submissions

Personal_Finance

Aaron Abel writes: If you have a car, you will have to purchase auto insurance, and no one wants to do it with happiness. It cost us a lot of money on a monthly basis to be insured. If you are going to insure your first ever car and you are a new driver the higher premium rates will hurt you a lot.




Most people use agents to get their car insured. However, some companies allow you to purchase your auto insurance directly from them. You can do this process over the phone or use an online customer services representative. However, to know the in-depth details of every insurance plan from the different companies a local agent can help you.

They can guide you about the type of insurance plan you should choose. You will know the pros and cons of every type of plan being offered by the insurance companies. Checkout these types of agents before going with:

a) The captive agent

These agents are the dedicated representative of an insurance company. Some famous companies like Allstate, State Farm, and AAA have captive agents to bring insurance policies to them.

B) The independent agents

This type of agentsisusually known as abroker;they are not the dedicated represents of any specific insurance company. Instead, they are linked with various companies. So, that they will not take much interest to sell a company’s policy.

One of the major advantage to have an agent is that they take interest to keep you happy with their services. They ask you few questions and get familiar with your financial situation and guide you towards an insurance plan accordingly.

Howard suggests using agents as said, "do not go with the direct providers. Instead, I would preferto have an agent, rather an independent agent, write your policy for you. The independent agent would determine your conditions and help you to choose most suited plan from an affordable company’s policy. Another advantage has an independent agent; you do not have to change your agent to change acareer. I suggest you develop a very positive relationship with your agent."

Sometimes the relationship matters a lotWhen Heller purchased an auto insurance at a bit higher price for the very first time. However, he had the quotes from different agents.But he chooseshigher onejust because one of his friends recommend an agent highly."

Independent agents charge for the services, but the fee is usually negotiable. You must agree on the fee before writing and making the purchase of your insurance plan. For the very cheap car insurance, you can find the agents that have certifications by the Professional Insurance Agents or Independent Insurance Agents of America.



Of course, we all have several other things to do in our personal and professional life and can’t visit the insurance company office again and again. To tackle this situation an agent can be a helping hand to perform all paperworkand complete the process. We all cannot do everything as well need someone to guide us in several steps.

© 2017 Aaron Abel - All Rights Reserved

Disclaimer: This is an paid advertorial. The above is a matter of opinion provided for general information purposes only and is not intended as investment advice. Information and analysis above are derived from sources and utilising methods believed to be reliable, but we cannot accept responsibility for any losses you may incur as a result of this analysis. Individuals should consult with their personal financial advisors.


© 2005-2018 http://www.MarketOracle.co.uk - The Market Oracle is a FREE Daily Financial Markets Analysis & Forecasting online publication.


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