You might think it doesn't matter where you buy insurance, but a quick decision can cost you lots of money. The money may be in premium, or it may be in having coverage that's not really good for you and your family.
Insurance can be complicated. You have coverage limits and deductibles with car insurance. You have out of pocket maximums and coinsurance with health insurance. You have different options to select underwriting severity for life insurance. Selecting a reasonable choice for your situation will be aided by an experienced local agent who understands your situation and the current policies available.
Agents can also come in different flavors:
Captive Agents: Can only write with one company, or may have the option to use other companies only if their primary company declines a customer.
Independant Agents or Brokers: Can write with any company they are legally appointed with in states they are licensed to.
Direct Agents: Can only do business over the phone under the umbrella of a large company. They usually write for one company, or from a pre-selected menu of companies.
Of course, I like indendant agents!
They are usually local and have community ties, and they know the options that are available to you. They should listen to you, qualify you for a particular situation, and come up with one or two best choices.
Find a Local Agent Through INSUREME - They are BBB Approved and have a clearly stated privacy policy. Thanks!
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