There are Distinct Advantages to Working With an Independent Insurance Agency
If you’re not sure what those advantages are, you could be costing yourself time, money, and worry.
Searching for an insurance policy is not easy. You’re forced to consider uncomfortable situations and ask yourself the tough questions. Do you have enough coverage if disaster strikes? Are you paying for more than you need?
It’s enough to overwhelm anyone. Working with an independent insurance agency can alleviate some of that fear.
Independent insurance agencies do not work exclusively with one insurance company. Instead, they offer policies and coverage plans from a variety of companies. When it comes to insurance, more choices means better coverage and more value for the money you spend.
From unbiased representation to cost savings, here are a few of the reasons you will benefit from working with an independent insurance agency.
Trust the Advice You’re Given
As you start your decision process, you will have to sift through multiple policies and plans. Most of the time, insurance coverage from various companies has similar coverage options. For example, all auto collision plans must offer the same state minimum liability.
As you get into the nitty gritty of each insurance plan, you might get overwhelmed. What’s the difference between an umbrella policy and increased liability coverage? What is the right option for you?
Independent insurance agents do not have a vested interest in one policy or company over the other. You get unbiased advice, rather than doubt whether the insurance agent you’re working with is just trying to sell you a policy from the only company they represent.
An independent agent has the freedom to recommend insurance coverage that is right for your specific needs.
Access More Insurance Coverage Options
Working directly with one company significantly limits your options. An insurance agent working for one provider can only offer you the policies their company offers. An independent agent can place coverage with many different insurance companies, giving you more options.
There are a few benefits to this, both in the beginning and long-term. In addition to giving you various options up front, your independent agent will have the ability to move you to different companies as the market changes. The longer you’re with an independent insurance agent, the more time and money you will save, while getting the coverage you need.
With an independent insurance agent, you can also mix and match policies and plans more easily. You already know you can trust the advice you’re given. Now, you have an advocate to help sift through the multiple plans available and find the right match for you.
Save Time and Money
Ultimately an independent agent is there to save you time and money while searching for insurance plans.
You save time because you don’t have to go through the details of each individual plan. The agent you work with has already done the legwork and knows what is the right fit for your needs versus what you can comfortably live without.
You save money by not purchasing more insurance than you need. The agent you work with knows where you can make cuts and where you should spend a little bit more. That means that you only pay for what you may potentially need rather than coverage you may never use.
Shopping for an insurance plan shouldn’t cause you to lose sleep at night. Get the help you need from someone you can trust to save you money and ease the decision making process.
