Immediately, you will notice is that local companies can be much more personable versus interacting strictly online through digital forms and questionnaires. Having a local agent with a nearby company can help ensure close contact and give you the confidence that you'll receive personalized, consistent service.
Many national auto insurance companies rely on toll-free numbers and call centers, making it harder to find the support you're seeking. That being said, many national brands have localized offices for that reason - to give you strong support in your own backyard.
NATIONAL VERSUS LOCAL BRANDS
Here are some things to look for when shopping around for auto insurance rates:
• Competitive rates. With less overhead, your local insurer might be able to offer reduced insurance rates, especially if you bundle your other insurance policies with them. This can lead to long-term, increased savings.
• Communication. A local insurer might be better in terms of the customer service they are able to offer, thanks to local brick and mortar locations.
• Technology. Many local agencies with bigger brands behind them are able to offer advanced technology and online systems. This can help make things convenient for you as you need to update your policies.
Events and travel are opening back up, but many providers may still offer auto insurance reimbursements for policyholders.
Brokerages started offering these types of programs in 2020 to provide customers portions of their monthly payments due to the travel restrictions and decreased amounts of driving during the COVID-19 pandemic. And local brokers may be more likely to keep these programs going, especially in communities where leaders are still more cautious in terms of pandemic protection.
When shopping for a new policy, ask what kinds of pandemic relief plans the company has in place.
You should also inquire about any other deals or policy reduction policies they offer. Every dollar counts when trying to lower your overall monthly expenses, and your local provider will do everything in his or her power to keep your business.