If you were born after 2000, you probably know how to do everything through a computer online or an app on your phone. The smartphone is always in your hand, and you probably spend little time reading a book or writing letters in cursive. You don’t need an old dog like me telling you how to buy auto insurance for your Hyundai. A direct insurance policy might be best for you. You know how to download apps to your phone and manage your account. Since you probably haven’t accumulated many assets at this point in your life, you probably don’t care if you have enough insurance if you cause an accident. What will the victim do? Sue you for millions that you don’t have? Go ahead. Buy the minimum. No artificial intelligence agent online will talk you into protecting your current and future income and assets.If you were born before 2000, you might recognize the value of consulting with a professional agent with decades of experience like me. Agents selling insurance have been around for a century or more. Some have been harmful agents; most have been good. If buying from an agent doesn’t cost any more, why wouldn’t you? You can still download the app to your phone, log onto your account online, and call the company directly after the policy is in force, but at least you know you have been offered the proper limits and coverages when you do.
Just like going to the department store to try on an article of clothing before you go home and buy it online, feel free to call me to decide what coverage you need before calling the direct insurance company. At least I know that if you hit me with your car, you’ll be adequately insured, and my bills will get paid.
