Are There Benefits For Using An Independent Insurance Agency to Shop for Insurance?

Insurance shopping is a challenging task. Not only must you determine what kind of coverage you require, but you must also select limits that make that coverage worthwhile. Add in attempting to decipher policy document legalese to determine what is covered, all. At the same time, comparing prices from several carriers, suddenly hours of your day have vanished. Fortunately, you do not have to do all the heavy lifting yourself when shopping for insurance; there are several advantages to shopping for insurance with an independent insurance agency.

You will work directly with an impartial, licensed insurance agent if you work with an independent insurance agency. Your agent can assist you in determining how much and what types of coverage are optimal for your unique scenario, as well as shop around for the best policy and price with numerous insurers on your behalf. You will have a partner selecting coverage and assisting with navigating the whole insurance process, from purchase to claims.

There are numerous reasons why shopping for insurance through an independent agent may be the best option.

The Benefits of Independent Insurance Agencies versus Direct Purchase

Directly purchasing insurance from an insurance company is often restricting, as you are limited to the firm's offerings. An independent insurance firm works with a variety of national and regional insurers and may compare what each company has to offer. Comparing quotes from multiple providers is a terrific way to get the lowest rates and the best coverage at the lowest price for someone in your circumstance.

Working with an independent insurance broker gives you options and simplifies insurance comparisons.

Explore the Market in Minutes

At an independent insurance agency, your certified insurance agent has access to resources that expedite the process of comparing quotes from numerous providers. Your agent should be able to execute tasks that may take you hours in a matter of minutes over the phone. In addition to comparing multiple carriers, your insurance agent will know to assist you in selecting the business and policy that best meets your needs.

Professional, Skilled Counsel from a Licensed Agent

While purchasing directly from an insurance company eliminates the middleman, working with an independent insurance agency can be quite advantageous when searching for insurance. A certified insurance agent is with you throughout the buying process, whether they assist you in determining the amount of coverage to purchase, searching for discounts, or explaining the policy language, so you understand what is and is not covered.

A certified insurance agent is equipped to answer your questions about your policies and is trained to guide you through insurance decisions, such as how much and what types of coverage to purchase, what deductible to select, and whether or not you are eligible for discounts.

Save Using a Private Agency

Working with an independent insurance agency can result in cost savings due to the ability to readily compare prices and discounts. Your agent will know which firms offer discounts and how you might qualify for them.

You may also be able to save more money by purchasing many plans from the same company. This involves acquiring multiple insurance policies, such as vehicle and house, from the same insurance provider or agent. Your insurance agent will assist you in discovering ways to save money.

Service

Lastly, but certainly not least, an independent insurance agency will provide a high level of personalized service. Whether you have a question regarding a new policy or need assistance with filing a claim, your insurance agent is simply a phone call away.