The VanDyke Group | Why Online Shopping Misses the Mark with Insurance
When it's time to purchase insurance you have so many choices. Where do you start? Online or agent?
insurance, purchasing insurance, independent agent, online shopping
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15 May Why Online Shopping Misses the Mark with Insurance

When it’s time to purchase insurance you have so many choices. Where do you start? Most of us shop online, so naturally we go to the internet to begin our research. There you will find basically three ways to buy insurance; an online platform, an independent agent, or a captive agent like Allstate, State Farm etc.  You might be tempted to just get it done and buy something from an online company.

With all of the hype about cyber security, questions pop in your head when you’re looking at an online platform. Is it really a reputable sight? Is it a secure sight?  What about transmitting personal data, which would be needed to purchase a policy? When you need to file a claim, who would you be talking to? Are they on the same time zone as you? Most importantly, how do you know you are getting the best policy to meet your needs? You will have to spend a lot of time doing the research yourself.

With an independent agent they will be your personal search engine. They will get to know you personally and find several carriers and policies to present to you that would fit your needs then explain them to you.  Understanding the policies, premiums, and claims process will allow you to make a better, educated decision for you and your family. This is also a safe way to communicate your personal information. You can meet with the person or be guaranteed a secure line for transmitting it.

Once the policy has been purchased, your independent agent is available to annually review your policies to make sure there are no gaps in coverage. They will also talk to you to make sure everything is up to date. Have there been any changes that affect your policy in the previous year? An online platform cannot possibly know your needs and keep you informed with suggestions for improvement.  When it comes time to file a claim that agent will walk you through step by step.

Your independent agent will present understandable insurance options to you from various carriers. A captive agent only works for one carrier and can only show you plans from that carrier. If you’re looking for the best policy to fit your budget aren’t several options better than one?

Make a better decision by choosing a reputable independent agent for your insurance needs. Give us a call for more information or to assist you today!