After more than a decade of comparing quotes from just about every source, there is a clear distinction between the value offered by local agents versus direct quotes obtained online. Most online quote forms rely either on prefilled coverage options or the consumer to build their own policies. The tradeoff is a much quicker and easier quoting process but at what cost? Here are some of the biggest advantages I've seen where local agents outshine their direct quote counterparts:
1. Coverage value
One of the easiest ways to tell a client has dealt with a non-local agent or received an online quote are the combination of coverages and deductibles that are mismatched for the area they are written in. Believe it or not, but policies in different parts of the state may vary wildly and not understanding these differences mean you may not be getting the best value for your pollicy.
2. Multiple carriers
When dealing with an online platform, even if multiple carriers are offered, rarely are multiple options seriously considered. As mentioned before, the combination of coverages and deductibles mean pricing is impacted so the right coverage needs to be established before comparing other carrier options. Local independent agents will typically have the broadest range of options at their disposal.
3. Coverage optimization
After the basic coverages and deductibles are selected, a local agent knows how to uncover options that benefit the client. Are you a hunter that needs better coverage on your firearms? A coin collector? Does your spouse have precious family heirlooms? Do you operate a side hussle out of the home? These are signfiicant coverage gaps that could be covered pretty easily but its not automatic. A local agent will likely uncover these needs for you.
4. Local claims resources
When a claim does occur, especially after a natural disaster, a local agent will have unique resources that a non-local agent or online vendor will not have. Local contractor recommendations, the ability to directly obtain claims information, and another pipeline to the claims department can really make the difference between a good claims situation and a bad one.
5. Community focused
There is no comparison for how local agents impact their communities versus online carriers and brokers. Our agency funds a multitude of local charity and service organizations as well as school sports and extracurriculars. By doing business locally, you are helping continue this support.
6. Grow with your agent
Once an online policy is purchased, there is not an easy way to discuss life changes and how your insurance should change with you. Establishing a relationship with a local agent, means your coverage doesn't become obsolete over time.
If you have fallen victim to online quotes, let our team get it fixed for you!