Actors and Professional Athletes have agents that represent them in their business dealings. So why shouldn’t you have an agent that represents and advises you on your insurance needs. An Agent is a professional who analyzes their customer’s needs and advises them on the best course of action.
When it comes to insurance, an Independent Local agent is the best person to represent you. The agent does not work for the insurance company, rather he works for you. An independent local agent has access to multiple insurance companies to choose from. Sure you can get a quote without an agent, but how long will it take you to quote 40 different companies? Well you might say if you do it yourself you will save more money! That’s an INCORRECT statement. Many Agents do not charge a fee for their services. They do get a commission from the insurance company that they place you with, but that has no bearing on your insurance premium, if you don’t use an agent you will get the same price regardless.
Here are some reasons to have a local agent:
- They work for YOU! not the insurance company
- They shop multiple companies to save you money
- They work and live in your community
- They guide you on the coverage that best fits your needs and budget
- You get to deal and build a relationship with an agent you know, Instead of talking to a different person every time over the phone
These are just some of the benefits of an Independent Agent. I would advise you to make sure that the agent is reputable and licensed. If that agent does not take the time to understand your situation and advise you on the different options of insurance coverage you should not give them your business. All our agents live and work in Riverside, CA and have been with the company for over 7 years. Isn’t it time that you talk to an Agent to advise you on your insurance needs?
What is a total loss as it relates to your auto insurance policy?
A total loss refers to an insured vehicle involved in a loss that the insurance carrier determines is not economically viable to repair. When an insured vehicle is involved in an accident, the insurance carrier will do an appraisal of the damages to get an estimate of the cost to repair the vehicle. If the cost to repair is close to or greater than the market value of the vehicle, then the carrier will treat the vehicle as a total loss. This means that the company will pay the insured the Actual Cash Value (ACV) of the vehicle less any policy deductible instead of repairing the vehicle. They will then sell the vehicle to a salvage yard or auction.