There are two primary ways to purchase insurance — online or through an agent. Each method has pros and cons, so the choice between buying insurance online versus through an agent is about determining what is right for you.
Why Buy Online?
It’s quick and easy to get quotes from online insurance companies, which means you can easily compare the insurance rates and polices that different companies are offering.
The online shopping process is faster in general; there is the convenience factor of shopping at home and being able to do things instantly. Working with an agent may be slower because they usually want to meet you and talk through your situation and coverage options.
It may be cheaper to buy insurance online than through an agent, since online insurance companies rely on automation and may outsource customer service support.
Why Buy Through an Agent?
Buying insurance through an agent means that you work with a knowledgeable and experienced professional who can provide personalized assistance. They can help ensure that your policy is the best fit for you by identifying coverage options or discounts you aren’t aware of that could benefit you.
An agent is also able to talk you through your coverage and specific insurance terms so you have a good understanding of what is covered.
When you have a question, want to change your coverage or need to file a claim, your call goes directly to your agent’s office. You don’t have to be shuffled around a call center or talk with someone who isn’t familiar with your policy. The ongoing personal support is one of the main reasons people choose to work with agents over online companies.
Most agents are local (so you may know them already) and connected to the community. For example, Farm Bureau agents are small business owners who invest money back into your community by paying taxes, shopping at local businesses and supporting local organizations.
If you’re looking for an experienced agent who can help you get the right coverage for your situation, meet with your local Farm Bureau agent.