If you are unhappy with your current insurance provider, it is time to start shopping for a new provider for your auto insurance. When it comes to getting quotes, obtaining quotes directly from a captive insurance agent is one way to do so. A captive insurance agent is one who works directly with a specific company.
Benefits of Getting an Insurance Quote from a Captive Insurance Agent
When it comes to getting a quote from a captive insurance agent, you will be speaking directly with an agent who works for a single company. When you talk directly with the agent, you will discuss the policy options, share your needs with the agent, and determine the best coverage together. You will not have to sit there and try to figure out what coverage is best for your needs all on your own; you will be able to work together with the agent to determine the best coverage.
If you talk with a local insurance agent, getting a quote can be the beginning of developing a relationship with that agent. Many agents who work locally tend to stick around for a while and could be the agent who takes care of your needs for years to come.
If you have complex needs, such as needing coverage on multiple vehicles or different types of policies such as a homeowner's policy and a car insurance policy, it can be easier to deal with complex needs when speaking with someone, instead of working through an online form.
Drawbacks of Getting an Insurance Quote from a Captive Insurance Agent
There are a few drawbacks of working with a captive insurance agent. With a captive agent, you are only getting information from one company. That means if you want to compare quotes from multiple companies, you will need to call multiple insurance agents, or you will also need to complete online quotes. You are going to have to do extra work to get quotes from multiple companies.
If you want the most accurate quote that reflects your needs, speaking with a captive insurance agent is the way to go. However, to get multiple quotes, you will need to talk to agents from a few different companies. This can be more time-consuming than just using an online form to get an insurance quote but can provide you with more accurate quotes that reflect your needs.
To get an insurance quote, contact an agent in your area.
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