5 Advantages Of Having An Independent Car Insurance Agent

As you begin your search for cheap auto insurance, consider the reasons to consult an independent agent. Contracting with one of these licensed professionals has numerous advantages. 

Providing Quotes From Several Carriers

If you prefer, you can get quotes yourself online directly from many insurance companies. That takes a good bit of time, however, especially if you want to compare various policy features. An agent handles all this work for you when you want to buy a new policy. They'll do so again at your request when renewal time comes around.

The agent can check with dozens of carriers on rate differences for factors such as:

  • deductibles
  • your age
  • your driving record
  • your place of residence
  • optional collision and comprehensive coverage

Issuing Umbrella Policies

You may be interested in an umbrella policy that offers a discount for combining automotive and homeowners insurance with one insurance company. But now, obtaining several quotes becomes an even more complex process. You need to gather all the information and weigh the options for umbrella policies versus separate policies from different carriers. Once again, an independent agent will do all this work for you.

Finding Coverage for Unusual Circumstances

Many insurance companies won't issue a policy for unusual circumstances. For instance, they may not provide coverage on the policy for a friend who routinely drives the car. Most still don't cover paid ride-sharing services. Independent agents may already know which companies do offer policies in these types of situations. If not, they can readily find out.

Making Prompt Contact If You Forget to Pay Your Bill

It can happen. The bill can get misplaced or you might simply forget during the hectic pace of daily life. An independent agent will give you a call or send you an email letting you know a notice of cancellation has been issued. You can quickly resolve the problem. Otherwise, you'd receive a cancellation notice in the mail several days after your policy expired. 

Providing Fast Assistance If You Need to Make a Claim

In the event that you ever cause a collision, your independent agent gets to work as soon as you call. You don't have to do anything except answer their questions and begin getting estimates for repairs to your own vehicle. 

Concluding Thoughts

Contact an independent agent today to start obtaining quotes for cheap automotive insurance. You'll get all the advantages of having a licensed agent representing you and looking out for your best interests. Visit Green Light Auto Insurance Specialists for more information.