The American auto insurance industry is a significant economic driver. Employing approximately 249,051 people in the United States, the industry generates an estimated $178 billion in revenue, according to IBIS World Research. Every state in the union lawfully requires that all drivers be insured. Thus, at one point or another, all of us are faced with figuring out how to choose car insurance.
Nobody wants to believe that something bad could happen to them while driving, but it’s better to be safe than sorry. Too many people are occupied with discovering how to find cheap auto insurance, rather than how to get the best coverage to meet their needs should things go awry. That is why finding a good insurance agent is so important.
An insurance agent helps individuals find auto insurance quotes that offer the most comprehensive coverage at a price they can afford. However, that is not all that insurance agents can offer their customers. Besides helping to find auto insurance quotes, agents often instruct their clients on the best ways to maximize their insurability, which in turn can lower their rates across the board. For example, an insurance agent can help drivers find defensive driving courses, the completion of which may lower insurance rates by 10-15%.
Because drivers younger than 25 years of age typically are subject to significantly higher premiums than older drivers, it is especially important for young people to work with insurance agents in order to find auto insurance quotes within their means. Insurance agents have the experience and know how to find auto insurance quotes for inexperienced drivers that will not break the bank. Because young drivers have not yet reached their full income potential, taking advantage of the knowledge an insurance agents offers is a key component to find auto insurance quotes that do not swallow up a higher percentage of wages than necessary, while at the same time offering extensive protection from liability.
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