Read why you should research independent insurance agents and be skeptical of online quotes

When was the last time you shopped around your insurance? If you already have an independent agent, this should be done every 2 years. If not, you might find yourself going for online quotes to at least have something to compare with your current Herndon, Virginia car insurance policy. Sure it seemed like a competitive price didn’t it!

More likely than not, there’s a good chance that you might be looking at some numbers that are a bit on the low end. These are not accurate, and I’ll show you exactly why. The only time I would ever insist that you don’t meet with your Herndon Virginia insurance agent when shopping around is if you have the experience and knowledge already on hand. If you know the different types of coverage in and out, then this should be a walk in the park!

Unfortunately, I don’t personally see many clients that are highly knowledgeable about insurance or have done much research. I’ll be honest with you when I say it’s tough. Insurance agents struggle enough to stay on top of the new and changing coverage options as it is, so could you imagine trying to do this on your own?

Trust me on this, whether you are looking for something to compare “apples to apples” with your current policy or for a fresh start, you need to meet with the best independent agent.

Every company is similar. Don’t make the mistake of poor research – find the most trustworthy insurance agent that you can find locally. One place to look at is the bureau of insurance. If there are any major problems with the agent, you'll find them here. Once an insurance agent attracts a nasty reputation for some type of action, it’s rare to see that same behavior disappear.

So what should you do with all of this when searching for an agent? There are two things to start with…

Make sure to compare all of the coverage recommendations and prices between the online quotes and all of the agents you speak with. Not only should you use your own judge of character when meeting with these local agents, you should have certain questions that get similar answers from each and every one you speak with. Price is always an important factor, but cheap is not usually better when it comes to insurance. Base your decisions mainly on the coverage, and rarely on the price.

The last thing I’ll mention is that you can’t always trust the online insurance quotes as accurate representations of what insurance companies are going to actually hand over for you to sign. Odds are they include a motor vehicle report or your C.L.U.E report. These are two important pieces to receive an accurate quote, which means the online free quoting is usually low balling what you’re really looking at. Sure the online quote may sound great, but it’s really a lead generation tool for the insurance company. Don’t be surprised if you are on their next direct mail campaign.

These are the main pieces to building a solid and supported insurance policy with all of the necessary coverage components. Before you make any decision on buying insurance, take some time to meet with the top local independent agents. This will get you started and on a path to full protection with your coverage.

The best local board certified personal injury attorney will be able to help you if you have been in a car accident, or if you have any questions about your insurance policy. You can ask Ben Glass a question at

Ben Glass
Ben Glass is a nationally recognized Virginia injury, medical malpractice, and long-term disability attorney