Buying auto insurance can be a real headache—especially when it comes to dealing with larger companies and the costs that come with it. Oftentimes, many people are surprised to find that going with a local auto insurance agent can actually help you save money, and for a variety of reasons. This could be a big relief to someone who’s not looking forward to picking a policy.
1. Local agents understand your local risk levels best.
It might seem to many as though the risk levels for drivers are the same across the board, regardless of where you live or who you are—but this is not always the case. Oftentimes, based on local factors like climate, weather, etc., your risk levels could actually differ from the national averages. A local agent would understand this best. And because a local agent is immersed in your community, he or she can tell you from firsthand experience which claims are most common in your area, and what the best coverage might be for you. This could save you money in the long run and ensure you’re covered for all of the possible scenarios.
2. Local agents are within your reach.
Choosing your auto insurance is difficult. Dealing with insurance companies after an accident is even worse. One of the benefits to having a local auto insurance agent is he or she is right around the corner, which means they’re available to get involved at the ground level. So if you’re standing at the scene of a car accident and not sure what to do next, you can be sure your local auto insurance agent down the street is ready by the phone to help. Or, even better, might be close enough to hop in the car and be there in person. This is the beauty of working with real, local people who know and understand your community. They’re just a short drive away.
3. Local auto insurance agents deal with you in person.
One of the frustrations many people have nowadays comes from constantly dealing with machines over the phone. It’s rare today to call a large company and actually speak to a person on the other end. This can be frustrating for a variety of reasons—one in particular being that you never really know if you’re getting a good deal or not. How can you be sure you’re saving money if you’re talking to a computer on the other end? This is why having a local agent is such a benefit. You know exactly what you’re getting—or not getting—because your agent is sitting across the table from you, in person, ready to walk you through each step and get every detail of your story. Rest assured, they want you to get the best deals and pay the lowest prices just like you do. No computer can beat the convenience of dealing with a local agent.
In general, buying local is always a smart move, but especially when it comes to insurance. If your concerns are affordability, accuracy, and accessibility, heading over to your local insurance agency is definitely the right move for someone like you.