Do I Still Need an Insurance Agent?
The short answer to this question yes. Let me give you a little more as to why I believe it is important to still have a local insurance agent. Insurance isn’t as easy as many make it out to be and despite the efforts of some, is not a commodity that ought to be reduced to the confines of the internet. Here are a few reasons why:
• It may seem convenient to do business online, but you sacrifice the service you receive from a local agent who can understand and recommend coverages.
• When it comes time to submit a claim, you have no one to talk to besides the other end of a 1-800 number. An agent can be very helpful in submitting and seeing you through the claim process. Insurance is only as good as the claim service you receive.
• The advantage of an independent insurance agent is that he or she can do your shopping for you. The independent agent has access to multiple companies and will quote each of them, ensuring you get the best coverage and price that he or she can offer.
Auto Insurance is not something that should be ordered like a “take out” dinner menu. Each coverage is unique, and each company may approach each coverage differently. The help of an expert in the field can make your experience much smoother. If you want to see how we approach auto insurance continue reading…
How We Approach Auto Insurance
There are agents who do not recommend proper coverage to clients on a regular basis in order to keep the price down - this is not the practice of our agency. While we always believe in finding the most affordable insurance possible, we do not sacrifice coverage to accomplish that. There are several main components to an auto policy, and we believe it is our job to make sure that a client is properly covered so that when he or she has a claim, he or she has the proper coverage. The last thing we want to say to someone is, “that could have been covered if you had paid a little more.” Here are a few quick notes on coverages that we view as very important:
• Liability insurance is what is required by law. This pays for bodily injury, pain and suffering and property damage of others should you be at fault in an accident. The state of Ohio only requires $25,000 of coverage per person and $50,000 per accident for bodily injury and $25,000 for property damage. If you were to be found at fault in an accident, and someone’s injuries were to exceed these limits, the injured party could come after you and your personal assets for the additional payments. This doesn’t take care of either party well. We recommend limits beginning at $100,000 per person and $300,000 per accident for bodily injury and $100,000 for property damage, while always offering and encouraging even higher limits. The premium difference is usually very small for the amount of increased coverage.
• The deductible is the amount the customer must pay before the insurance policy begins paying on a claim. Obviously, the higher the deductible, the lower the premium. We strive to make sure that people understand what a deductible is. We want to strike a balance so that someone is able to afford their monthly bill, but also able to afford to pay the deductible when you have a claim.
• We strive to make sure that people have proper endorsements on their policies such as:
• Original Manufacturer parts when available, so that aftermarket parts are not used.
• GAP protection on those vehicles that have a loan.
• Offering a personal umbrella for another layer of liability protection.
These are just a few of the reasons we are confident that having a personal insurance agent is still a necessity even in this age of technology.