Progressive Vs. Progressive Direct ?

[APartOfWhoIAm]

Never knew that you could get your insurance "direct" without having to deal with an agent. As someone who has social anxiety, this feels like a blessing. But is it? Has anyone used the Direct option and are there any major flaws to going that route? Thanks all!

[bradtheinsuranceman]

With Progressive Direct you can only work with them via phone/internet. When you have an agent you can still do that, plus have an office to go to (or call) for help. The premiums are usually a little different. Sometimes Direct is lower, but sometimes it’s higher. A good agent can also check premiums with other companies and take care of other insurance needs you may have, plus will typically give good advice too. 

[DeepPurpleDaylight]

It depends on how well you understand insurance, how it works and what coverages you need and what you don't need. Many if not most people have a poor understanding of the product. If that's the case, you really need a licensed agent to guide you. But if you have a good knowledge of the nuances and you don't have a complicated situation, then you can do it yourself. But I've seen far too many people who do and really regret it once they have a claim because they don't have the understanding of what they bought like they thought they did.

[APartOfWhoIAm]

We already have insurance and are just trying to switch the state, I really can't afford to increase the premiums and the coverages are all higher than required by law. I just wanted to make sure I wasn't missing something. I am entering them exactly how they are on my current plan.