Posted on: 10 November 2020
The benefits of having car insurance extend far beyond the mandatory requirement. Although your state may have a law in place concerning liability protection, it's typically up to you or your lender to determine if you want to go for full coverage. Automobile coverage is compulsory if you want to take a car off the lot and drive it home. Before you head to the dealership you might want to already have a policy in place. If you're thinking about buying a car and need to obtain coverage, going to a local insurance agency is a great choice.
Local Relationships Matter
Because it has become so commonplace for many to purchase most of their products or services online, it's easy to believe that you should follow suit with your car insurance. After all, the Internet is right at your fingertips and you won't even have to leave home to get a policy completely bound within a matter of minutes.
However, getting insurance is a bit different from purchasing other items. The products that you get by mail are essentially "one-and-done" deals where you won't have to deal with the seller again until you are ready to make another purchase.
On the other hand, insurance is about developing an ongoing relationship. It helps to know your agent because if you have questions about life changes and how they can affect your premium you're able to pick up the phone and reach them very quickly. Also, the claims process can be tricky when you go through a virtual insurance company. How can you be sure you'll get the compensation you need to repair your vehicle in an emergency if you have to be transferred from person-to-person in a large, distant call center?
Talk Freely About Other Insurance Options
When you have a local insurance agent you can also discuss other coverage products to see if you need them. Because your agent works in the community they may be aware of a particular type of coverage they have that could also benefit you. This comes from personal knowledge of local weather conditions and the kinds of incidents that tend to come up most frequently. You may even be able to save by bundling your car insurance with your renter's or mortgage protection at a highly affordable price!
Patronizing the businesses in your community helps you and others. Contact a local insurance agency for more information.Share