The insurance marketplace has become an extremely competitive environment over the past decade. The emergence of carriers that conduct their business almost exclusively via call center or Internet has highlighted the need for agencies to demonstrate their value in new ways.
While the premium difference one can occasionally see by choosing an online-based carrier is one factor to consider, working with a local agent can provide substantial benefits beyond simply premium costs to you and your family.
Local agents can be helpful with the claim process. A good agent can walk you through the process step-by-step, keeping you informed of your options and addressing any questions or needs that arise. Given that an insurance claim is the biggest moment of truth you can have with a carrier, there is significant value in dealing with the same person throughout, rather than a call center team.
Additionally, the relationship with a local agent can assist during aspects of the billing process as well. An involved local agent can identify discounts that could help save you money, can identify potential rate changes and work with you to find solutions that both fit in your budget and provide proper coverage for you and your family.
Finally, working with a local agent can provide you peace of mind. A local agent is able to know you and your family beyond a policy number, and is able to know your family's unique needs. They can grow with you and your family, and you can rest assured knowing that when you call to ask a question, file a claim, or pay a bill, you are more than just a number on a screen.
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