7 Benefits Of Buying Auto Insurance From An Agent

Finding the right coverage at the best price can be challenging if you’re shopping for auto insurance. But that’s where an insurance agent comes in!

Insurance agents have access to plenty of information not readily available to the general public.

By working with a trusted insurance agent, you will also be able to get discounts on your coverage and outstanding customer service every step of the way. This blog outlines seven benefits of buying auto insurance from an independent insurance agent.

1. Great Customer Service

You can get the best price on car insurance by shopping around, but if you don’t have someone to help you with the process, it can be difficult to find the right deal. An agent can answer any questions about what’s covered and what isn’t. They’ll also explain terms like collision damage reduction (CDW) and why it’s important to have your vehicle insured against theft.

An agent is also knowledgeable about state laws that affect your coverage options. Such as:

  • How much time before an accident must pass before you’re eligible for compensation from your insurance company in case of injury
  • Whether or not there are limits on bodily harm claims
  • Whether or not paying out more than what was initially paid into a policy counts as fraud, etc

2. An Insurance Agent Can Provide Valuable Information About State Laws And Coverage Types

A knowledgeable agent can help you understand the laws and regulations in your state.

Most states have varying laws from one another. That’s why it’s important to ask the insurance agent the right questions, so you know which types of coverages are available to you.

For example, if I own a car with good tires but bad brakes, then I might need all-around coverage, which means that it covers both the damage caused by accidents involving other vehicles as well as from potholes or objects left behind in parking lots after the snow melts off them.

Different types of coverages include:

  • Liability insurance covers property damage or bodily injury caused by another person’s negligence.
  • Comprehensive insurance protects your vehicle against theft and damage while it’s in use. It also covers liability, but not damage caused by theft.
  • Collision coverage pays for repairs after an accident. Suppose there is no other form of repairable damage to your vehicle. In that case, it may cover loss due to fire or flood and physical injury to people inside the car or outside its bodywork, such as glass broken by flying debris.

3. Knowledgeable Insurance Agents Can Help You Decide Which Coverages Are Best For Your Family’s Needs

Your agent should be able to identify any gaps in coverage and recommend a policy that fills those gaps while keeping costs down. If you’re unsure which coverages are right for your family, an agent can help you determine whether or not they need them.

For example, if an accident involves a carpooling group, do all group members need bodily injury liability (BILD) coverage? Or could this type of collision occur without causing any injuries?

An experienced insurance professional can weigh these factors when determining which policies would provide adequate protection against liability claims beyond just bodily injury damage awards like medical bills and lost wages from missed work days after being involved in an auto accident.

illustration of two cars colliding into one another

4. Having A Face-To-Face Conversation With An Agent Allows You To Ask Questions And Receive Immediate Answers

They’re more likely to be able to answer your question in person than if you were on the phone with them.

The reason it’s better to have a personal discussion is that agents are trained in many different insurance policies and know what they’re talking about when it comes to coverage details. The same goes for discounts and other ways people can save money on their auto insurance.

You should ask about discounts available through companies who offer discounts based on driving habits such as how many miles per year driven or whether there have been any tickets received during previous years’ driving experiences. These things are referred to as “policy factors” because they affect rates every five years.

A few insurance providers also offer discounts if you buy more than one insurance policy from them. So, make sure to ask your insurance agent about that as well.

An insurance provider and a client shaking hands after sealing a deal

5. An Insurance Agent Can Handle All Your Needs, Including Homeowner’s Or Renter’s Insurance, Life Insurance And Health, Disability, Or Long-Term Care Coverage

Agents are trained to help you find the best policy for your needs. For example, if you’re looking for health insurance that covers prescription drugs, hospital visits, and other services like mental health counseling, an agent can explain how each policy works and why it might be right for you.

Insurance agents can also help compare different policies so that both parties understand what they offer before deciding which one will work best for them. They also make sure there are no discrepancies, and everything is clear to the client.

They’ll also make sure any paperwork submitted by either party is completed correctly, so there are no problems later down the road when it comes time to renew their coverage.

6. Working With An Agent Allows You To Periodically Review Your Auto Policy When Major Life Changes Occur

If you’re like us, you’ll want to review your insurance policy periodically. If a major life change occurs, like getting married or having a child, your auto policy must be updated with the current rules and regulations. This way, you won’t be surprised at the time of monthly payments.

You can do this by contacting an agent who will help keep your coverage current and inform you about any changes in rates or benefits that may be available for purchase through their office.

If there are discrepancies between what’s written on paper and what is happening regarding coverage or premium payments, you can be open about them with your insurance agent.

Contacting an agent first allows them not only to see where things stand but also to give suggestions.

An insurance provider discussing auto insurance with a client in Springfield

Are You Ready To Invest In Your Safety And Get Auto Insurance In Springfield?

Western Mass Auto Insurance is a leading insurance provider in Springfield. In addition to auto insurance, we also provide home insurance and commercial vehicle insurance services to businesses seeking to protect themselves against liability.

Our insurance advisors have years of experience and a track record of working in this industry. They can help you evaluate your financial situation and develop an auto insurance plan that’s beneficial for you in the long run. 

We also offer registry services, so you won’t have to stand in line for long. Through them, you can get insurance and license plates in 15 minutes. Take a look at our customer reviews to learn about our premium auto insurance policies.

Our insurance agents also guarantee free quotes and low down payments for auto insurance. Get in touch with our representatives for more details.