Consumers have more options than ever before when purchasing insurance. Online platforms and digital marketplaces give insurance consumers technology-driven solutions for their insurance needs. ***

However, while online platforms may offer convenience and accessibility, they don’t have the personalized service and expertise that a human insurance agent can provide. Here are the key differences between working with an insurance agent and using online platforms, and why the human touch makes all the difference in securing the right insurance coverage.

1. Personalized Service. Unlike online platforms, which provide generic quotes and cookie-cutter solutions, insurance agents take the time to understand your unique needs and circumstances. They can offer recommendations based on your specific requirements, so you get the coverage that best meets your needs and budget. Your insurance agent is a dedicated advisor who is there to answer your questions, provide guidance, and assist you throughout the insurance process. Whether you're comparing coverage options, filing a claim, or making changes to your policy, your insurance agent is there to offer support and ensure a positive experience.
2. Expertise and Advice. Insurance can be complex, with various coverage options, policy provisions, and industry jargon to navigate. While online platforms may provide basic information, they may not have the expertise and knowledge that a human insurance agent can offer. Insurance agents undergo extensive training and education to stay up-to-date on industry trends, regulations, and products. They can help you understand your coverage options, assess risks, and make informed decisions about your insurance needs. They also provide valuable advice and guidance based on their years of experience working in the industry. Whether you're a first-time homebuyer, a small business owner, or a retiree planning for the future, your insurance agent can offer insights and recommendations to help you protect what matters most.
3. Advocacy and Support. Insurance agents also serve as advocates for their clients. Your insurance agent is there to represent your interests and ensure that you receive fair treatment from the insurance company. They can help expedite the claims process, answer any questions you may have, and work to resolve any issues that arise along the way. Insurance agents provide ongoing support and assistance throughout the life of your policy. Whether you need to adjust your coverage, renew your policy, or update your information, your insurance agent is there to help. They review your coverage periodically to ensure that it continues to meet your needs and make recommendations for adjustments as necessary.
4. Trust and Relationship Building. This may be the most significant factor. Unlike online platforms, which may feel impersonal and transactional, insurance agents prioritize building long-term relationships with their clients. They take the time to get to know you understand your goals and concerns, and earn your trust through consistent, reliable service.

By working with an insurance agent, you have a trusted advisor who is invested in your success and committed to helping you achieve your financial goals. Whether you're purchasing your first home, starting a family, or planning for retirement, your insurance agent is there to support you every step of the way and provide the peace of mind that comes from knowing you're protected.

While online platforms may offer convenience and accessibility, they fall short when providing the personalized service, expertise, and advocacy that a human insurance agent can offer. By working with an insurance agent, you get the coverage you need and also gain a trusted advisor who is there to support you. 

Lindquist Insurance has an experienced and licensed staff who can consult you on the best insurance coverage for you and your family. Call (301) 694-0008 for a consultation. We serve the Frederick, MD, and Annapolis, MD areas. 

*** Visit the Forbes website to see insurance trends and how they affect consumers.