I get where you’re coming from about the value of peace of mind, but I’ve actually had the opposite experience with local agents here in Delaware. The last time I had to file a claim—admittedly not a huge one—I ended up getting bounced between the local office and the main claims department anyway. Maybe I just hit a bad week, but it felt like I was doing just as much chasing as I would’ve with a big national carrier.
It’s not always about the lowest price... sometimes peace of mind is worth more.
That’s fair, but I’ve found that some of the online-based companies are surprisingly responsive, especially if you’re comfortable handling paperwork digitally. For me, the extra cost of a traditional agent doesn’t always translate into better service, at least not consistently. I guess it depends on how much hand-holding you want—or how much time you’re willing to spend on hold. I still shop around every couple years, just in case something better pops up... Old habits die hard, I guess.
Totally get what you mean—I've tried both the local agent route and a couple of the big online guys. Honestly, my last claim with a digital-first company was smoother than I expected. Less small talk, more action. Maybe it’s just Delaware luck?
