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Insurance Agent or Order Taker

ia-4It is a brave new era in the world of insurance. The only way to buy insurance used to be through an insurance agent in his office, but now more and more people are selecting coverage from the menu page of their insurance website. Do it yourself.

There will always be a few holdouts, though. They’ve always done it the other way, and that’s the way some consumers prefer it. You can usually tell those people.

This begs the question of whether or not there is ever a reason to have a live agent. After all, the overhead that comes from staffing and maintaining an office could be reduced toward the end of lowering your premiums, right? What, if anything, can a live insurance agent offer you that can’t be done online 24 hours a day, seven days a week? Wise Insurance Quotes .com went looking for answers. Here is what we found:

You could make use of an in-person insurance agent if…

1.) You Don’t Know Your Town Very Well. Moving to a new place can be daunting. Whether you are moving from Florida to Las Vegas or San Francisco to Bangor it would be nice to know where the good mechanics can be found, what body shops won’t Bondo the heck out of your dent and call it good, what gas retailer waters his fuel, and the glazier that is the right one to take care of the windows in your new home.

Save as Much as 50% on Car Insurance. Search for Rates. An insurance agent will certainly have the low-down on these questions if you’re moving to a small town and probably will be able to help you even if you’re moving to a larger city.

2.) All About the Benjamins. Cash is a dwindling commodity in the age of debit card numbers, expiration dates, and three number security codes. If you are one who still likes to pay your bills by peeling a few presidents off of a rolled up wad of money, then an agent is a must for you.

Other than that there is little to be gained from a relationship with an in-person agent. They can be somewhat of a comfort if it comes time for a claim, but they will be calling an 800 number to get your vehicular boo-boo fixed, and it’s the same 800 number that you would be calling yourself. Only you can decide if this “personal touch” is worth the inconvenience and usually added expense of engaging an agent.

For most of us most of the time the in-person agent has become an order taker. That doesn’t make him or her bad. Rather, just an unnecessary step on the road to good insurance coverage for your car, home, or boat.