5 Important Ways Independent Insurance Agents Simplify Policy Decisions
When you’re shopping for insurance, the policy itself shouldn’t be your only consideration. Independent insurance agents offer unique benefits, and they can help you find quality coverage for a fair price.
The world of insurance is notoriously complicated, and independent insurance agents can also help you keep things simple and straightforward. Here’s a closer look.
1. They Offer Unbiased Recommendations
When you work with a major insurance company, the agents assisting you are “captive” insurance agents. This means that they work exclusively for one company. Their job is to sell you a policy from their employer, and if another carrier has a policy that would better suit your needs, a captive insurance agent isn’t going to tell you.
With an independent insurance agency, the experience is different. Independent insurance agencies partner with multiple insurance carriers. This means that an independent insurance agent can help you compare policies from different companies. Because your agent works for you — and not for an insurance company — you can count on receiving unbiased advice.
2. You Won’t Have to Shop Around for Quotes
If you’ve ever looked for an insurance policy yourself, you may have reached out to several carriers for quotes. This process can be tedious, and in some cases, an insurance company won’t give you a quote without also giving you a sales pitch.
When you work with an independent insurance agent, there’s no need to spend hours gathering and comparing quotes. After discussing your needs and budget, your agent can find quotes and help you make a selection.
3. They Know the Local Market
When you work with an independent agent, you’re not on the phone with someone in an office hundreds of miles away. More often than not, independent agents are members of your local community. They understand the unique risks you face, so they can help you make the right coverage decisions for your needs.
4. They Build Long-Term Relationships
Many people who work with independent insurance agents don’t just purchase a policy as a one-off. Instead, they form lasting relationships, consulting their agent each time they need to update their coverage or buy a new policy. When your insurance agent has a thorough understanding of your history and your insurance needs, they can make accurate, efficient recommendations.
5. They Serve as Your Advocates
When you file a claim with a major carrier, a captive insurance agent can walk you through the process. However, because these agents are employed by the insurer, you can’t count on them for objective advice.
Your independent agent works for you, so when they guide you through the process of filing a claim, you can be assured that they have your best interests in mind. Your agent may also advocate for you with your insurance company, making it more likely that you’ll receive a fair settlement.
Ready to Find the Right Policy?
Whether you’re trying to insure your car, your home, your health, or something else, choosing the right coverage is critical. When you have the help of an independent insurance agent, protecting yourself and your loved ones doesn’t have to be complicated.