Local Agents vs. Online Insurance

What is the advantage of choosing a local agent over online insurance services?

The advantages to having access to a local insurance agent are wonderful; however, buying insurance online can have its own unique conveniences as well. We want to share with you some of the advantages of both and let you know why you might want to choose Higgins Insurance for your insurance needs.

Online Insurance:
Who doesn’t like shopping from the convenience of your own home? When you shop online for insurance, you are able to access a wide variety of insurance providers. You are able to browse while you eat dinner or do your laundry.
Shopping online can often help you identify the best rates for the specific types of insurance you are looking for. If you need more than one form of insurance, creating a bundle to cover you and your family may be a hassle. You may end up dealing with a customer service person over the phone. They will generally have less experience than a local agent and have no vested interest in you or knowledge of your community.
Online insurance shopping is best for helping you get an idea of the products and services that are available to you. It is also a great way to quickly get quotes in your area and to help you find the best pricing options.

Insurance Agent:
Using an insurance agent local to your community has many advantages. Our agents at Higgins Insurance are able to tailor an insurance plan specifically to your family or your business. We are able to create a custom bundle that will incorporate all of your insurance needs.
Having a local agent can also be an advantage when you are deciding what specialty insurance and add-ons you might need. For example, we are able to advise on whether your home lies in a flood prone area and when you might need extra protection. We can also advise you about specific laws you will need know in order to keep yourself fully covered. Additionally, we are able to tell you what you don’t need. Using a local agent can save you from buying protection that is unnecessary for your needs.
Having a local agent is also important when you have to file a claim. Being able to meet face to face and talk about your claim, the options you may have, and how to proceed is invaluable. At Higgins, we will go above and beyond to provide you the services you need and help get you on track.

When it comes to big investments like your car, your home, and even your family’s well-being you want an expert on your side, someone to help you make sense of what you’re actually buying and who can be there with you through any claims. We want to provide you and your family with the service you deserve. If you are in the Hopkinsville or Clarksville areas, we would love to meet and discuss your needs. Contact us today for an appointment, give us a call at (888) 457-2307 or visit our Hopkinsville, Ky or Clarksville, TN offices.

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