Are you looking to get the best rate on your insurance? Did you know that working with an independent insurance agent can give you the best rates and other benefits?
Independent insurance agents are highly trained, knowledgeable, licensed professionals that have no strings attached to any insurer. These qualities alone make up independent insurance agents, and they can help you save a ton of money when you are purchasing insurance.
Find the Best Premiums & Rates
An independent insurance agent will help you obtain an insurance quote. They are positioned to help you obtain the best premiums for the policy that you need whether it be auto insurance or homeowners insurance.
This is the biggest benefit that you can expect when working with an independent agent over purchasing directly from an insurer.
Many big insurance companies will show you policy options only from one insurer. These companies tend to favor their policies, and they are also equipped with captive agents representing them. There are even many captive agents that may not even be allowed to recommend competing company’s policies.
On the other hand, independent insurance agents are equipped with the freedom and flexibility to show clients a variety of policies from any of the companies that they represent. With this benefit alone, independent agents have the ability to help you obtain the most cost-effective rate and coverage.
Personal Advisers
Independent agents will work to make sure that you are adequately covered and to find you pricing that is competitive. They become your personal adviser by working with you in person and taking the time out to listen and understand what your needs are.
They understand that it’s not just about finding a cheap rate for you but about making sure that you are fully covered so do you don’t end up in a bad situation if you do endure a loss.
Additionally, if you have a claim or billing issue, or even need to switch out your coverage, they can help you and work with the insurance company on your behalf as your advocate.
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Licensed Experts
Since independent insurance agents are licensed, they can explain the complex terms of insurance in simpler terms that can help you make wise decisions.
Their career is built around meeting the needs of their customers and matching them with the best insurance carrier ready to meet those needs at a rate that the customer can afford.
If you were to put a will together, you will spend some time doing research on the internet, and probably hire an attorney to make sure that everything is drawn up correctly. The same goes for hiring a licensed insurance professional that can work to make sure that your business, auto, or even home are properly protected.
Saves Time
Independent insurance agents offer you the freedom of a one-stop-shop. By putting all of your insurance needs under one roof, you will not have to worry about making several phone calls, and juggling various policy agreements.
You won’t even have to deal with rotating account managers. By avoiding all of these things, you are saving yourself some precious time.
For example, if you purchased a homeowners’ policy from an independent agent and then decide you want to add cyber liability to your business, you can just call your agent instead of starting over with another company.
Excellent Service
The insurance business can be extremely underrated and overrated. When you need a new pair of shoes, you probably already have an idea of what you want. However, the store’s customer service will stand in the way of your purchase.
When you are dealing with something such as insurance, it is so important to have positive interactions.
When giving out sensitive information or even calling in the midst of an emergency, you can feel safe knowing the person on the phone is familiar, friendly, and trusting. If this person were a stranger, it would probably be the total opposite.
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