It amazes us how many people think buying on-line is the way to go. It makes sense though right? By cutting out the middle man(insurance agent) the insured gets a better deal.
Wrong. Not only is the insured probably not getting the best price, there are many other things the insured is missing out on as well.
Price? We have the best price on 72% of our quotes to new clients. And that is just on price alone….
Coverage? On-line you have no idea what coverage you should or shouldn’t have. We always make our recommendations and then let our clients DECIDE what is best for them. Most of my clients are amazed at how minimal some extra coverage costs that can really protect them in a time of need.
Service? Forget about it. You get zero service when you buy on-line instead you get an 800 # to call. We return calls and emails promptly. If you have a claim we follow up to make sure things are going smoothly. For the client that really likes on-line accessibility our website has links to every company we partner with for on-line payments and 24/7 claim reporting.
Relationship? We meet face to face with new clients. We meet either at our office, the insured’s place or somewhere in between. It isn’t necessary to get the policy going, but within a week of starting it we like to meet to discuss the coverage in detail and help answer any other questions. We call or email upon renewal to make sure the client is happy and if we need to add/delete coverage. FYI, almost no agent we have met call or email upon renewal!!! BUT we do, it is important to keep an open communication line with all of our clients and make sure they are still receiving the best value possible.
According to Jana Bell, Director of Operations at HomeInsurance.com, “Customers who work with a licensed agent before purchasing their insurance policy have a better chance of finding the right coverage and qualifying for all available discounts.”