Quote:
Originally Posted by camp guy
Insurance, of any type, is too complicated for me to try and figure out the best deal, that is why I rely on my local agent. Also, in case I ever needed the coverage provided by a policy, I don't want to deal with the "1-800-..." crowd. I want to be able to walk into my agent's local office and get face-to-face help. For me, insurance is a staple of home ownership, and I want to know my agent, know where the Office is, and trust my agent to help me if the need arises, and I don't think "1-800- ..." provides that. However, there are those who understand the insurance game and are probably able to navigate the ins and outs successfully. I guess my punch line is, "Money isn't the only factor when deciding on insurance coverage".
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Agree 100%, and I think there are many benefits people overlook when going as cheap as possible.
For example, my insurance agent is able to keep payouts under a certain amount "in-house," which is faster and does not hit our insurance. This, combined with his local outreach for business partners, is a game-changer.
A couple years ago, some decking boards slid from my trailer into the back of my 4Runner. My insurance agent called the local body shop and worked out a deal to have the work covered for the amount he could pay in-house, which saved me my deductible and a lot of time.
Sometimes saving money costs money (or frustration or time or...) in the long-run.
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