Do I Need an Insurance Agent in St Paul?

Insurance Agent St Paul

St Paul, Minnesota is situated in the northern regions of the United States. Due to its location, winters are frigid while summers are hot and humid. St Paul experiences one of the greatest ranges of temperatures of any major city on earth. Any insurance agent in St Paul will likely be a hardy northerner ready to take on any task.

In these times of electronic transactions, many younger people would not consider using an insurance agent to purchase car insurance. Those of us from an older time remember the only way we could purchase car insurance was by going to the office of an insurance agent.

Many of the new car insurance companies do not require insurance agents. It’s possible to go online and buy car insurance without speaking to a human being. There are advantages and disadvantages to this method.

With an insurance agent in St Paul, you have personal service. Many older people find this a more familiar method of buying insurance. It’s also comforting to have a familiar, friendly person to deal with in times of crisis. After suffering from a car accident, it can be shocking to go through a series of voice prompts trying to locate a human being. After an accident, it can be difficult to think clearly and all you want is to find a recognizable voice to help deal with the emergency. Having an insurance agent you know by first name can be extremely calming and helpful.

Another major benefit of having an insurance agent is that insurance agents offer car, home and financial services and may provide a multi-policy discount. Most online companies are not yet offering home or financial products as part of car insurance purchases.

There are two types of insurance agents. One type is called, ‘captive,’ and sells for only one insurance carrier (insurance company). These agent works for the company and are not self employed. State Farm, Nationwide and Allstate employ captive agents. These agents handle most of the customer’s needs but works directly for the carrier

An’ independent’ insurance agent works with multiple carriers. These agents may have one preferential carrier but have the ability to work with other companies to benefit their client. These insurance agents work for the client, not the carrier.

When it comes to purchasing other types of insurance, such as life insurance and home insurance, you need to work with a life insurance agent. They can help you determine the amount of coverage you need and the best type of policy for your family. They may very well assist with other types of coverage, such as your car.