• A Real Insurance Agent: When looking for online insurance quotes many people may not understand the insurance product and might end up choosing something that will not insure them properly. Using local agent may eliminate this problem.
• Sells for One Company: An exclusive insurance agent sells insurance only from their company so they know their product well and have extensive company training.
• Knows Your Needs for Other Products: One of the best advantages of using a local insurance agent when shopping for an insurance quote is that they usually can find other insurance products that are beneficial for your needs.
  

The ability to purchase insurance online and avoid high-pressure salesman is a luxury that today’s consumers enjoy. However, the task of searching, comparing and purchasing online insurance can seem overwhelming.

Here is an orderly way to go about shopping for insurance:

• 1) Assess your needed, assess the insurance amount.
• 2) Decide on the most appropriate policy type to meet your goals 
  
• 3) Choose a good company by its financial strength ratings.
• 4) Get insurance quotes to find a good price.
• 5) Look at ways to save money on life insurance.

insurance is often a long-term proposition, so you should pay particular attention at time of purchase and throughout the life of the policy to the financial stability ratings of your insurance company.  Ratings indicate a company's ability to pay claims.