Local Agents Versus Online FL Auto Insurance

Choosing an auto insurance company can be confusing. With so many options on the market, it can be tough to help know which company offers a plan that is right for you and your driving needs. Car insurance companies Florida are very important to the responsible driver. In the case of an accident it is crucial to know your company will be behind you and will not be furiously reading paperwork to find a loophole to drop your protection. When choosing car insurance companies Florida, the first major choice to be made is rather you intend to purchase from a direct market company or if you would rather go through an insurance agent to get your coverage. Both have a unique set of pros and cons and should be considered carefully before simply dialing number and agreeing to the terms.

Here are some things to consider when choosing your coverage:

Local Agents

Most local insurance agents will represent multiple companies and can get you a special deal from any company they work with. Nearly every major insurance company has local agents, this allows customers to work through a local agent no matter which provider they are interested in. Buying insurance from a local agent will offer a greatly increased level of personal service that a direct market coverage office could never match. However, you may need to be prepared to end up paying a little extra for this personal care.

Local agents will also be very well versed in state laws and regulations regarding insurance. In most cases they live in the state and can offer special advice and sometimes even discounts because of their comprehensive knowledge of state coverage.

Unfortunately, communication will be limited by small offices and office hours. Even more, if you move you will need to go through the hustle of transferring offices or deal with the headache that is long distanced coverage care. 

Direct-Market Companies 

Going through a direct market company will mean less customer service but a much larger call center and a vast beehive of information and resources. There will not be the limitations of a small office or only a few employees and you will never have to wait for someone’s lunch break to end. If you do not mind less personalized customer service, many direct market companies will charge a little less for their services and can offer the convenience of never having to change companies because of a move or relocation. 

Direct-Market companies are also likely to have a more recognizable name and reputation, even though most are faceless due to size. This can be an advantage in some situations and a disadvantage in others. Not everybody really cares if their Florida auto insurance company knows them by name. Just as long as they come through in the case of an accident they don’t care if they are just a number. If you are one of these people then you should consider going through a direct-market company.