The Pros of Having an Insurance Agent vs. Going Direct
- Jesse Warner
- Aug 26
- 3 min read
In an age where online purchasing is the norm, many people consider buying insurance directly from a company’s website. While going direct can feel quick and convenient, it may not always provide the best protection for your unique needs. An insurance agent offers expertise, personalized service, and long-term support that can make a world of difference.
Hi everyone! I’m Jesse, your friendly neighborhood agent, and in this blog, we explore the key advantages of having an insurance agent vs. going direct—and why having someone like me, could be the smarter choice for safeguarding your future.
1. Personalized Guidance and Expertise
Insurance policies can be filled with complex terms and fine print. An experienced insurance agent helps translate this information into clear, actionable insights.
Tailored Recommendations: Agents assess your financial situation, family needs, and long-term goals to recommend coverage that fits—not a one-size-fits-all policy.
Industry Knowledge: Agents stay up to date on policy changes, market trends, and legal requirements, ensuring your coverage remains relevant.
Going direct often leaves policyholders to interpret these details on their own—risking gaps or unnecessary costs.
2. Access to Multiple Carriers and Products
Independent agents work with several insurance providers, offering a wide range of policies and price points.
Comparative Shopping: Agents compare policies across carriers to find the right blend of coverage and cost.
Specialized Coverage: From flood insurance to business liability, agents know where to find niche products.
Going direct limits you to one company’s offerings, which may not fully meet your needs.
3. Time Savings and Convenience
Shopping for insurance can be time-consuming. An agent simplifies the process by handling much of the research and paperwork.
Streamlined Process: Agents present clear options, saving you hours of comparing quotes and reading fine print.
Claims Assistance: When accidents happen, an agent guides you through the claims process, reducing stress and confusion.
4. Long-Term Relationship and Ongoing Support
Your insurance needs evolve—marriage, homeownership, children, or retirement can all affect your coverage requirements.
Regular Policy Reviews: Agents help ensure your coverage stays aligned with life changes.
Quick Adjustments: Need to add a driver, change a deductible, or update a policy? An agent makes it simple.
Going direct often means navigating call centers or online portals, with no personal relationship to rely on.
5. Better Claims Experience
Filing a claim can be stressful. An agent acts as your advocate, helping you navigate the process smoothly.
Claims Advocacy: Agents work with insurers on your behalf to secure fair outcomes.
Complex Situations: For large losses or unique circumstances, agents provide invaluable guidance.
6. Cost Savings and Value
Contrary to popular belief, going direct doesn’t always save money. Insurance rates are determined by risk, not whether you use an agent.
Right-Sized Coverage: Avoid being underinsured—or paying for coverage you don’t need.
Bundling Discounts: Agents know how to combine policies for additional savings.
7. Peace of Mind
Above all, an insurance agent provides reassurance. You’re not just buying a policy—you’re gaining a trusted advisor who prioritizes your financial security.
Final Thoughts
While direct-to-consumer insurance may seem convenient, the long-term value of working with a knowledgeable insurance agent is hard to ignore. From expert advice and personalized service to claims support and cost savings, an agent ensures you have the right protection for life’s unexpected events. So if you’re looking for a change, an update, or a new policy,…please reach out to me at jwarner@citizensallianceagency.com or any of the other amazing agents at Citizens Alliance Agency who are here to help you. At Citizens Alliance Agency, every policy comes with an agent.