Many individuals mistakenly think that purchasing insurance through a salesperson is more expensive than finding it directly from an online carrier and this can be a huge mistake. Insurance agents do not cost more; they will assist you pay less for insurance!

Insurance agents know what insurer to put you with. This knowledge can prove to be very valuable when it comes to insurance prices. Many insurance shoppers are unfamiliar with the fact that insurance companies make their rates based on many different factors. The same shopper could find a much cheaper rate with one company and a relatively high price with another carrier just based on the varied items each take into consideration. Tenured insurance agents can tell what company would provide the best prices for each individual and save you the time of comparing quotes.

Insurance Brokers know how to advise you about how to lower rates. By understanding how the insurance ratings work, an agent can pass on to you what options you have for saving money, like taking a safe driving class. A Broker can also consult about splitting or combining policies to save money. Agents know how important prices are to their customers, and they are always eager to help you reduce premiums.

Agents will be aware of price affecting changes as they become available and will steer you accordingly. Most insurance brokerages, for example, will run competing quotes for their clients every renewal. Then if a competing carrier is able to save you money, they will let you know about it promptly. This is the sort of information that will only be known by a local agent familiar with the insurance market in your area.

Perhaps the most value provided by a local agent is the knowledge they provide to be sure you are not given the wrong coverage. Having appropriate coverage may save your financial future. It could be the smartest choice you ever make.

About the author

Jay VanDamme is an insurance marketing expert. He is currently consulting insurance agencies throughout the United States and writing for You can learn more by visiting <> or his website at: <>