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The_Bitter_Bear t1_iuhum26 wrote

Reply to comment by youchasechickens in Your insurance will most likely be going up by Grayjay000

I use an independent agent and would recommend it, particularly if you have multiple insurance needs.

They shop around every year when I am up for renewal. They go through and discuss my coverage in detail with me if I change anything, that is one thing I like particular. They actually know about me and my day to day life so they make sure I'm not underinsured. Also, when there is an issue I have someone who will help with all the paperwork and let me know what I need to do. Even when someone hit my car and it was on their insurance, my broker handled dealing with their insurance for me to ensure they paid for everything they were supposed to.

I have checked what I was paying against going directly to places like progressive and they have never beaten what I pay unless they are reducing my coverage on something.

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jpmoney t1_iuhvyiz wrote

I found the same, especially when you're into umbrella policies. The stage in life where they make sense easily coincides with appreciating the help and legwork they do for you.

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The_Bitter_Bear t1_iuhwc9l wrote

Agreed. I finally got to a point where having "people" for some stuff is just worth it, even if it costs a little more. With insurance you usually end up paying less, hell even if I just get the same deal or really close that's a hell of a value with the additional support I get.

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