Your first insurance experience can start with a single insurance or two – car insurance tenant insurance and not much else. But when life takes off, a new job, home, relationship and children can give you more than your original insurance policies can handle.
You can buy insurance directly from some companies online. However, choosing your own insurance policies and limitations can lead to gaps in your coverage that you may not think about or recognize. to help you get the coverage you need and never pay more than you should.
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Why do you need an insurance agent?
Insurance agents are professionals who know the nuances of the industry. Even if you can buy a quote, policy or recommendation yourself, it is best to have an expert by your side who will help you understand the best coverage options for you and your family. (Related: 9 Life Changes to Tell Your Insurance Agent About )
Here are some benefits of trusting an agent with your shopping experience:
- You get personalized service. There is a convenience of automation, but it is difficult to beat a real person who can get to know you personally. Your ERIE agent can discover what is most important to you and ask questions to reveal which policies and options are appropriate. At ERIE, our agents know how valuable a little kindness and personal attention can be. In each interaction, they strive to provide compassion, understanding and goodwill.
- They can help you make the right decision . Even if you know the type of coverage you are looking for, the best choice may not be obvious to you. Trust an insurance agent who will give you a range of options and advise you on the benefits and limitations of each insurance policy.
- They know your area . Local ERIE agents understand the risks associated with where you live and what your neighbors experience, such as the cost of living in your area or common claims. Find an agent close to home and trust that you can always book a quick chat if needed. Your local ERIE agent lives where you live and cares about the community. They can answer your questions and facilitate the insurance purchase process for you.
- They know the language. Several insurance contracts can say the same thing in different ways. Without an insurance company in your corner, you can buy insurance without knowing exactly what you are getting. Let an insurance agent help you cut through the jargon and tell you exactly how an insurance policy benefits you. Our agents know insurance from the inside out, back and forth and up and down. Your ERIE agent can demystify insurance policies for you so you can focus on enjoying life.
- They compare prices for you. ERIE agents understand the differences between each provider's policy. They can compare prices and coverage to get you the best policy that suits your needs.
- They look after your best interests . One of the biggest benefits of having an independent insurance agent is that they do not work for an individual insurance company. This freedom prevents them from giving you options and advice that primarily benefit the insurer. Trust your ERIE agent to look after your best and use their knowledge to your advantage.
When is it time to find an agent?
Working with an insurance agent can be helpful at any time in your life. But it becomes crucial when you take on more responsibilities.
You should always report some changes to your insurance company to update your insurance (or insurance policies), but significant adjustments to your family life or finances may require more time and attention. When your coverage options become overwhelming, it may be time to find someone to follow you through the process.
Here are some signs that it's time to have a professional in your corner:
- You are newlyweds or divorced . Your spouse or ex-spouse, along with their belongings, are often included in your coverage. Because your priorities change with marriage or divorce, an agent can help you ensure that these changes are reflected in your policy. This may include updates to your car, home and life policies including anything else shared between the two of you.
- Your family is growing . When you welcome a new baby (or more!) You may need to adjust your coverage to protect your new family. Should anything happen to your home, car or belongings, make sure your entire household is protected with the right policies and coverage options based on your agent's recommendations.
- Your teen starts driving . As your child grows up and gets behind the wheel, it can add a layer of complexity to your car policy. Teenage drivers are involved in more accidents than any other age group, so ask your ERIE agent how you can get quality protection without breaking the bank. An agent can help you understand how a child attending school affects your policy. For example: You can get a break on car insurance premiums if your child does not have a car on campus. And you might consider adding life insurance to cover your student loan debt in the event of the unexpected.
- You have bought your first home . As the first buyer of housing, this is the first time you buy home insurance as well. Securing your new place stands for the roof and walls, but it also includes your belongings and other protections that make a house a home. Talk to your ERIE agent about the basics of home insurance and learn how to protect one of life's biggest investments.
- You are renovating your house . A home renovation can increase the value of your property, which means that your old policy may not cover what your home is worth if you make a claim. As your living space grows and changes, an insurance staff can help you understand how to update your insurance and ensure that you are properly covered against loss.
- You have moved. With relocation, a completely new property will be insured. You are busy enough to move your things in and get organized; Trust your ERIE agent to help you insure your new home.
- You bought a new car. Buying a vehicle causes a new look at your car insurance, especially if it is your first new car. A new set of wheels comes with updated features that can make updating your policy a little more complex. (Today, even a fender can damage high-tech sensors more than you expect.) It's best to talk to an agent who can ask the right questions so that your trip is well protected.  You started a business. Corporate insurance is meant to help protect your new business even if it is not at home. An expert in business insurance and other insurance will be useful as your business grows – especially after what you have invested to get it started.
- You are considering life insurance . As you grow older, you can consider how to best care for your loved ones when you are away. It can be when you are comfortable with the life you have built or immediately after you start a family. In any case, it is wise to ask an agent how you can provide everything your family needs if something should happen to you, your spouse or your partner.
- You have accepted a new job . Benefit packages vary depending on the company. A new job may cause you to lose certain benefits, or a salary change may affect the coverage you can afford. Consult your ERIE agent and learn how to get enough protection to supplement your group life coverage from your employer. (Related: I have life insurance through work. Is not that enough? )
- You got a raise. As your salary increases, so does your standard of living. And in this case, it may be time to re-evaluate your life insurance . Your ERIE agent can help you adjust your current policy or add additional coverage to ensure your family has the financial support they need based on your increased income.
- You retire . On the pension, you now live on your pension or pension savings and social security. This stage in life can affect each of your insurances, so start talking about keeping your coverage in place before you retire.
- You made a big purchase . In general, people think of insurance as protection for their home, cars and family. But a large purchase – such as a engagement ring – may need separate coverage from the belongings covered by your homeowner. Depending on the article, your agent can help you find ways to include it in your dollar penny coverage. Learn more about personal property insurance .
- You changed lenders . You may have changed your mortgage or lender to save a few bucks. Just make sure you tell your agent about switching lenders as well. If you do not, your supplier can send claims to the wrong lender, making the process complicated and time consuming.
Get the support you deserve
No one should go through life alone – that's why every ERIE policy comes with a real person to help you through your journey. With each milestone, we will get to know you and make sure you have the coverage options you need and none that you do not have. Contact your local ERIE agent and get the support you need to protect what matters most to you.