How To Get Quotes From Car Insurance Agents
Car insurance agents represent the interests of both the insurance company and the policyholder. They help you get the best policy for your money and help the company he represents get a new client. It’s a win-win situation. Furthermore, agents can help you get really accurate quotes that will aid you determine which company deserves your money. But first, find out how to get quotes from car insurance agents. However, if you do not have the time or mood to talk with an agent, visit our website first and get auto insurance online quotes.
Auto insurance agents are classified in two major categories: captive agents and independent agents. The first category serves the interest of only one company. The main advantage is that the agent will be profoundly familiar with the services and interests of that specific company. He knows which factors influence the car insurance costs for that company and how to keep them under control. Furthermore, the agent is well aware of all available discounts and may even suggest you some. But what is more important, the agent can provide really accurate quotes, since it knows the company so well. Plus, you can develop a professional relationship and be better represented when you need to file a claim.
Independent agents, also known as brokers, work with multiple companies. The main advantage is that you will have a wider view of the market and you will be able to select policies that are more suitable for your budget and needs. The insurance agent will be able to provide multiple quotes and let you select the one which suits you the most. However, it is less likely you will benefit of the advantages of a captive agents, like better representation in front of the insurer or a deeper knowledge of rating process.
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