Join Date: Feb 2010
Location: Narragansett Bay
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Re: How do I get insurance and how much does it cost?
I use a good local agent who shops around for all my insurance. So far I have never been able to beat the prices by calling the big companies myself. I give her all my business and she often calls me first with better prices if my rates go up.
I have to admit that I have never heard of some of the companies, but, I have had claims in the past and never a problem (so far). Plus, she gets involved with the process. (She could be selling hundreds of policies to a company and maybe they respond better?)
Anyway, same agent for 20 years. So far so good.
This is absolutely the way to go, IMO. The agents have much more leverage with the carriers than you could ever have. The carriers have to compete to get the agents to send them business. The agents know the differences in coverage and responsiveness and can help you make a good decision. Least expensive is not always the most effective. Quite the opposite usually.
A good knowledgeable independent agent that works hard is worth it.
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