Kentucky SR22 Auto Insurance Agent
Q: What is a Kentucky SR22 auto insurance agent?
A: A SR22 insurance agent is someone who can look at all of your needs and characteristics, and seeing these find the car insurance company which is best for you, in some cases. In all cases, however, an agent is someone who will handle your insurance business for you and with whom you will do all of your car insurance dealings, unless you buy your insurance direct. There are two types of agents.
- Captive agent.
A captive agent isn’t very useful to people who are shopping around, but can help people who have already decided what company they want to buy their insurance from. A captive agent only works for one company, and can handle your insurance dealings with them, but if you change companies you will have to get a new agent.
- Independent agent.
Independent agents work with around five or six companies, usually. Agents like these can choose among quotes for the best ones and also do everything a captive agent does. If you want to change your insurance company, you can do so without having to find a new agent.
How Should You Buy SR22 Insurance in Kentucky?
Q: Should I buy my Kentucky SR22 insurance direct or with an agent?
A: Both direct line insurance and agent bought insurance are great ways to get your SR22 policy, but which one works for you personally will depend on your own specific situation.
For agents, these are more often and better used by people who lead very busy lives and don’t have the time available to do all of the research and quote mining that finding the cheapest Kentucky SR22 premium requires. Agents are also often a good route for people who are new to the insurance business and don’t have the knowledge or experience to know when they’re looking at a good deal and when they aren’t.
Direct line is also very quick and easy, and is best for people who want to save their money instead of paying an agent fee, and also for people who move around a lot. If you buy your SR22 insurance through an agent, then you often have to find a new one every time you move, but with direct, you just call up and change your address. You can also often handle your direct car insurance all by yourself online, and it isn’t very difficult to learn the ropes.
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