An Insurance Agent vs. Insurance Purchased Online

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Shopping online can lead to disaster when it comes to insuring your home, auto, all of your possessions and even your life.

An insurance agent must not only successfully pass multiple classes for a particular line of insurance but also pass state-mandated tests and complete many hours of continuing education in order to obtain and keep an insurance license. All of this testing and continuing education ensures that they know how to best help someone get the correct insurance coverage.

The difference between obtaining insurance from an agent vs online should be obvious. To the average everyday consumer, price is king. Unfortunately, the phrase “YOU GET WHAT YOU PAY FOR” is very true when it comes to insurance. That is why it is important to get advice from a trained agent.

When you or anyone you allow drives your car, they are placing everything you own at risk. That is everything including your savings, checking accounts, retirement accounts, home and autos. You could be forced into bankruptcy should the unthinkable happen.

When insuring your home, which is the most expensive purchase you will ever make, you need to make sure that if it is destroyed you have enough coverage to replace the home. You do not want to be in a position where you don’t have enough money to rebuild. This is especially important if you have a mortgage.

An agent will analyze your situation and design a program that will make sure you’re properly covered.

An internet site does not take all of your needs into consideration when insuring you. It will only give you a standard policy that may be terribly inadequate for your needs. How do you know if the coverage the internet site is giving you is right for you? An agent will take the time to explain what you are purchasing and how the policy is protecting you. If you need to make a claim your agent is there to help vs a computer that sends you to an 800 number where someone you don’t know and considers you only a number answers the phone.

As a local Allstate Agency, we strive every day to make sure our customers are properly insured. At the Patrick Shafer Allstate Agency, we are there when needed most, when Mr. Mayhem comes calling.

The Patrick Shafer Allstate Agency 331 West State St., Sycamore (815)991-2003

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