 What to do Jeep wrecked (totaled)? |
| long story, she hit me and she had no ins.Mine is taling care of it but body shop has did 5G's already on it and now they say the frame is (Diamond) and can't be repaired needs new frame,... |
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 Where can I find cheaper health insurance? |
| I currently pay $933.00 every three months for health insurance. Are there cheaper alternatives to this? Thank you in advance.... |
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 What's an affordable life insurance with no health exam? |
| My father needs life insurance and has health problems. He needs something with low monthly payments, but will provide enough if he has a natural death.... |
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 I didnt know that it matters how much insurance the person at fault had. Did you ? |
| The person at fault hit 4 parked cars an my car is damaged bad. I have a 2001 Grand am annd the other person had an 2005 camry with full caverage but only $5000 worth of coverage for damages. Now Im ... |
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 What does pearl home insurance cover? |
| does it cover laptop water damage?... |
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 Which life insurance is better? |
Assume husband and wife are 30 years old
A) Whole life insurance
Husband: $75,000 coverage
Wife: $75,000 coverage
Total coverage: $150,000
Monthly premium: $113/month<... |
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 Can I take a life insurance policy out on my daughters Father? |
| He's out there... His luck may run out.... Who will support pay for his costs and help me with Our Daughter? What's the best policy to go with? How much do people usually take out? P... |
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 Do insurance companies pay for hospital stays if coverage stops while in hospital? |
| My wife is pregnant and going to deliver March 30th. She was fired from her job on the 1st and got to keep her coverage thru the 31st. Since we will be in the hospital for 4 days but wont get out ... |
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 Why do vets ask for vets fees paying in full? even for emergancies?..whats the point in getting insurance? |
When a pet gets ill not everyone has the money to pay for a vet...myself included.
I thought with pet insurance they pay the vet and i just have to pay the excess which is £50
B... |
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| What is it REALLY like to be an independant insurance agent? |
| I am 52 years old and was a social worker for 13 years and worked for oil companies for 8 years. I am 52 years old and have been offered a job to work for AFLAC and possibly Farmers Insurance Group ( ... |
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 Insurance? |
| I have to make up an insurnace company for me webdesign class and build a website about it. gahhh i don't even know what insurance is. how boring! I have to have 3 info pages. one on an ... |
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 How can I get FREE Insurance???? Please I really need help :(? |
I need free Insurance so bad. Its hard for me cause i dont have anyone to help me and my dad no longer covers me for his insurance cause i just turned 20.
Please how can i apply for Free I... |
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 Life insurance? |
| My mom has term life insurance for 10 years for New York Life.. is it true that in 10 years, she'll be able to renew it another 10 years? Won't that be more expensive? Also, what happens ... |
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 Can someone in a car accident be given a donation? |
| If someone is in a very bad car accident, being driven in a taxi, can they be given donations? What are the quickest and fastest ways to set up a channel to receive donations? Please consider ... |
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 With a life insurance death benefit, does the face amount divided by premium tell when it is paid for 100%? |
This death benefit is 10k, and the monthly premium is $40. 10k/40 = 250 months, or 20 years
Or a 5k benefit with $40 premium would be 10 years?
So I am betting I will die before it is paid ... |
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Jim D | What's the difference between dealing with a car insurance company directly or a local agent? |
I was with the same insurance company for 10 years using the same local agent. My car insurance rates kept going up every time my policy was renewed. I decided to explore and see what better rates I could get with other car insurance companies. Friends and family gave me names of local agents from insurance companies they used. All the agents quoted me really high. Then, I called a major insurance company's 800 number (not through an agent) and got the lowest quote. So, why do people use insurance agents? Is there a reason why it's better to use an agent?
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Rich H
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I like using an agent because if I have a question, I call the same person or I go to their office and sit across the desk from them. I don't have to call India and then give up and research answers online and hope for the best. I don't like the way big companies dismiss the need for customer service!
I've found some helpful info here too:
http://autoinsurance.bebto.com
Have a nice day.
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Mark P
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Full disclosure I'm an executive with one of the top insurance companies in the country. We sell, as many insurance companies, both directly to the customer by the web or 800 number and through local agents. I'd offer that, for auto insurance, either works fine. Most people only talk to their insurance company agent by phone so talking to them is like talking to a call center. Not much difference at all. The advantage of an agent CAN be, if they are good agents, that they can be your advocate during a claim. If you are with a large and reputable company however most adjusters will take care of you just fine. Their job is not to deny claims but rather to quickly and fairly pay your claim. If you are not happy you can escalate your concerns to higher levels in the company yourself. If you have a local agent, and they are good, they will do that for you but, in th end, a local agent cannot get the company to pay any more on a claim than the claims department feels the claim is worth based on the contract, value of the claim etc. |
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Apple
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The use of an agent, or getting insurance DIRECT (that word will come up a lot) from an agent really depends on your needs.
If you are talking about basic insurance - you have an average house, with average items, etc; you may not need the assistance of an agent.
Howver, insurance policies can be complex, and they have a number of exclusions that people may not be aware of. Theoretically, the agent will be better at identifying how these possible exclusions may affect you, and what you need to do to avoice any non-covered loss.
Also, many agents do provide a higher level of service than a direct company. but, thsoe agents need to be paid - thus the reason a direct writed can offer lower rates. |
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jose l
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when you fille a claim you'll know why good agents help you with that and explain the prosses of claims its like why take your car to the mechanic if you can do it yourself cause they no the ins an outs knowledge man |
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car253
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The difference is the amount of help you get with a claim and the amount of knowledge you get from a good agent.
Both are invaluable when you need them. Sometimes you get what you pay for. And, sometimes it does not cost any more to have an agent than going with a direct company either.
I think having an agent to be there is peace of mind that I have someone that I know to talk to if I need them whether it is asking a a question or getting advice or help in a claim. I would rather have a person that I know for help then calling someone who does not care about me in a call center. |
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James S
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Try using http://My-InsuranceSearch.com to compare car insurance rates for all the major providers in your area.
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