When I was walking along the business district to shop for the best car insurance policy that I can get hold on of, two insurance agents approached me from the entrance of the mall. Both of these agents claim to be capable of giving me the ¡°best¡± car insurance deal. They claim that their best car insurance deals are balanced both in affordability and coverage comprehensiveness.
Since I am a willing shopper I spent a few minutes listening to what these two have to offer. As the conversation go along, I realize that these agents have a great difference- one is free lance and the other is a loyal company agent. Having these two types of agent in front of me led me to question, “Is it better to conduct car insurance transactions with a free lance agent or is it better to engage with a loyal company agent?”.
Well from a potential client point of view I was able to observe some differences in their marketing styles. The free lance agent always talks about the flexibility he can give me by offering me car insurance comparison rates and coverage. He reiterated that I am empowered to choose which is best for me.
On the other hand, the loyal company agent only talked about his insurance company, but he is confident that she can make a deal to the company itself to fit my budget and needs. The day wears on and I came to a generalization that free lance agents can give me options like what a broker does, but he is hands off in the deal itself. The loyal company agent on the other hand only offers her company¡¯s car insurance deal. She does not give me the opportunity to look at other car insurance companies, but she can make a deal to the company itself in my behalf. Honestly, up to now I cannot choose where to purchase my car insurance, maybe someone out there can share his or her experiences to me in dealing with agents to give me hints on who to choose.