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What's the difference between dealing with a car insurance company directly or a local agent?

I was with the same insurance company for 10 years using the same local agent. My car insurance rates kept going up every time my policy was renewed. I decided to explore and see what better rates I could get with other car insurance companies. Friends and family gave me names of local agents from insurance companies they used. All the agents quoted me really high. Then, I called a major insurance company's 800 number (not through an agent) and got the lowest quote. So, why do people use insurance agents? Is there a reason why it's better to use an agent?

949 day(s) ago

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AnandPatwada	Best Answer if you have a claim but you are unsure if it is covered you can discuss it with your agent without submitting it to the company. (Companies do not like this - fyi) If you call the company, and it turns out there is no payout on the claim it will count against you and you will probably see a change in your rates. Remember: you get what you pay for. There is one company that has an 800 number that I would be extremely cautious with... Try this site, if you want to find your best or cheapest car insurance just in few minutes, http://best-auto-insurance-usa.info/ Here you can get free quotes from different car insurance companies in your area, its the best way to find an affordable car insurance with a reliable company. Hope this help, 949 day ago ( 0 ) ( 0 ) Comment(s) (0) Report Abuse Add Comment Close No comments yet !!! Be the first to comment on this answer !!!