We all know the ads. Whether its a Gecko talking to us in a fancy british accent or a quirky girl holding a price gun we have the ads indelibly etched into our brains. The more I see the ads the more I think to myself, “wow, maybe they have this thing all figured out?”. This is obviously the point of mass marketing – to convince us who is the best.
Most insurance carriers who market in this way are selling insurance to you direct. This means they have a call center in this country or elsewhere with staff that are selling you a policy and hopefully solving your problems. Whether that staff person earns commission or not their goal is to sell you an insurance policy and complete the task their lizard or weird girl began. its what occurs after the sale that is important and could potentially cause you issues.
Will you have insurance coverage if you buy a policy online? Yes. Is it enough coverage for your risk… this depends on how well you conveyed your data to them or how good they are at listening.
At your renewal in six or twelve months will they help you determine if your risk changed or if their company is still the best fit for you? No. That will be up to you. This is why so many who buy online or over the phone from a direct or captive company (meaning they only sell products for one insurance company) shop often. They have transferred that job to you.
An independent agent like us by comparison works for you not the company. We are not staff and we have no allegiance beyond the policy contract. If a different company is better for you we can move your policy safely to the new insurance company.
So while we do not have lots of TV or Youtube ads or sales lizards working for us we do offer a much needed solution for our clients. We also can keep our rates lower because we didn’t spend billions on TV ads. Its a win-win!
Find out if we can save you money here.