I always got a good sense of satisfaction when people would bring in a Progressive quote they did online, then I would quote the same coverage through Progressive’s independent agent channel. The rates were usually lower going through the agency rather than buying online. So it just goes to show you that buying online does not mean you’re going to get a better rate. Insurance agents serve a purpose and most do their job well.

It’s a big misconception that buying insurance online saves money because consumers believe they’re “cutting out the middle man”. But in reality, buying insurance online does not guarantee a lower rate. It just gives consumers another avenue to compare rates.

And we both have seen people who come into the agency with horribly inadequate coverages because they bought online and did not understand the importance of having adequate liability coverage. I really hate Progressive’s new “name your price” program because you know it’s causing people to purchase insufficient coverage just to save a few bucks.

State mandated minimum liability limits are a joke. To be driving a 5,000 pound vehicle an only carrying 10/20 or 15/30 liability limits is a disaster waiting to happen. If people could see some of the claims and resulting legal bills that I’ve seen, they wouldn’t be driving with less than 250/500 or 500 CSL and an adequate umbrella.

Sorry about the long reply, but I’m an agent advocate. I’m not sure where you agency is located, but see if you’re listed on our new find an insurance agent website. If not, submit your listing so consumers looking for insurance in your area have another avenue to find you.