Do you pay for a Dedicated Car Insurance Agent?

In the past, the majority of people with car insurance were used to dealing with one agent. In most cases this was a local agent who had strong community ties, etc. While there are still some agents who operate in this capacity, there are not nearly as many as in years past. In today's day and age, more and more consumers are working with car insurance companies that do not have local agents. Instead, when you have a problem or need to make a claim, you call a central office.

If you are still interested in working with a local, dedicated car insurance agent, there is a good chance that you are paying more money in order to do so. No, you will not see this charge on your premium bill, but it exists. Insurance companies that have local agents have to pay more money in order for these individuals to stay in business at their current location. The bottom line is that having one main call center is much more cost effective than satellite offices all over the country.

Although you may like the security of working with a local agent, is it really worth the added cost? The only real benefit of doing this is that you have the ability to speak with the same person each time you call with a question or concern. Is this really that big of a deal? Although you may not speak with the same person each time that you call a central office, every representative has access to your account and past information. The only thing that you lose is the personal touch.

If you are currently working with a local agent, you may want to get a quote from a company that offers one central call center. There is a good chance that you will find that you can save a lot of money by saying goodbye to your local car insurance agent.