If you need a new car insurance policy or are shopping around for a new home insurance policy, there are many insurance agencies that you can purchase a policy from both online and in-person. While buying online may seem fast and easy, there are a few benefits to having an in-person insurance agent instead. Learning these benefits can help you determine whether to buy from an online insurance agency or whether to buy from an in-person insurance agent.
You Have Somewhere to Go If You Have Questions or a Problem
One of the biggest benefits to having an in-person insurance agent is that you have somewhere and someone to turn to if you have questions, need to file a claim or encounter a problem. If you use an online insurance company, you may have to go through an automated service and then sit on hold until you can get someone on the phone. And once you have someone on the phone, you may get transferred around and have to leave messages until you get through to the right person. With an in-person agent, you know their number and know where their office is located, making it easy to get the help or answers you are after.
They Can Help You Pick the Right Policy for Your Needs
Another benefit to having an in-person insurance agent is that they can help you pick the right policy for your needs. When you buy online, you are given an option to select from many different policies. But as you look at them, you may not fully understand the differences from one policy to the next. Having someone who understands these differences there to guide you and advise you can help to ensure that you get the right policy for you.
You Can Make Cash Payments
The last benefit to having an in-person insurance agent is that you can make cash payments or even payments by check. When you buy a policy online, you typically have to use a credit card or debit card to pay. Not every has a credit or debit card, or wants to pay using that method. If you want to pay with cash or check, working with an in-person insurance agent may be a good decision for you.
Buying insurance online can be fast and easy, but it is also impersonal and it can be hard to get help if you have questions. If you are not sure what level of coverage you need, what type of insurance is best for you or you prefer having someone to turn to with all of your questions, having an in-personinsurance agent may make perfect sense for you.