8 Great Reasons to Choose an Independent Insurance Agent
It may seem convenient to dial the number on your television screen of a large national insurance carrier. But how will you compare prices, coverages, and policy limits to ensure you’re getting the best deal?
Insurance can safeguard your family or business against financial disaster. That’s no small matter to leave to five-minute searches between dropping the kids off at school and rushing to work.
Instead, consider leaving your search to an independent insurance agency. Like a personal shopper — but for free — an independent insurance agent can compare multiple quotes and find you the insurance you need at a price that makes sense for you.
If you’re looking for auto, home, life, or commercial insurance, here are eight great reasons to choose an independent insurance agent.
1. Offers You More Choices
Independent insurance agencies typically represent five to eight different insurance companies at once. With just one call or visit to an independent insurance office, you can receive several quotes on coverage for you to choose from.
2. Saves You Money
The premium you pay for insurance is based on many factors, such as age, location, and coverage needed, so comparing how well a policy fits your needs is the only way to know you’re getting the best price. An independent insurance agent can compare multiple quotes all at one time to save you money.
3. Provides Experience and Knowledge
Independent insurance agents are licensed. They also have a broad view of the insurance industry because they work with multiple insurers, big and small.
That knowledge and experience means an independent agent can find coverage you might not have been aware of and explain the often complicated aspects of insurance in plain language.
4. Works for You
Unlike captive agents who work for one large insurance company, independent agents work for you. The advice they give you is for the coverage you need, not to sell a policy from a particular company.
5. Understands Your Community
Chances are that you have an independent insurance agency right in your community. Often, an agency’s name can be seen in the outfield of a Little League game or stretched across a kid’s uniform. Independent agents live where you live, helping them better understand your insurance needs.
6. Serves as a One-Stop Shop
Your local independent insurance agency can often satisfy all your insurance needs. You can get your auto, home, life, and commercial insurance from one agent, which can often mean a better deal as well.
7. Advocates for You
Insurance is complex and often confusing. If you need to file a claim, an independent insurance agent can explain your coverage and options and help you with the filing. If the insurer drops you, your independent agent can help you find another policy.
8. Builds a Personal Relationship
Many independent insurance agents live where you live and shop where you shop. You can drop into their office, and they will take time to connect with you. They get to know you and your family over the years, which strengthens their ability to understand your insurance needs.
The Difference an Independent Insurance Agent Can Make
Independent insurance agencies can save you time and effort looking for the right coverage. They also take the time to get to understand you and your specific needs. As they stick by you through changing insurance carriers, independent insurance agents can become both lifelong insurance consultants and friends.