The Advantages of Working with Independent Insurance Agents

Many insurers market themselves by advertising, fast, easy and do-it-yourself enrollment processes. This might seem very tempting to the consumer, because after all, what’s easier than getting your home, auto or renters insurance from the comfort of your couch? It saves you a lot of time on hold, doesn’t it?

Sure, do-it-yourself insurance services might sound great, but are they really best for you? Wouldn’t you rather work with an insurance agent who knows what they’re talking about, and can guide you in the direction of both optimized and affordable benefits? Those are services that you simply can’t get when you go on your search for insurance alone. Plus, if you choose to work with an independent agent when getting covered, you’ll have the greatest benefit available to an insurance customer: choice.

Let’s take a closer look at how independent agents can be instrumental partners in helping you get the insurance benefits that are perfect for you, no matter what your needs.

Independent Agents Offer Choice

It’s important that you choose the insurance policy (auto, home, renters etc.) that is best for you. Still, if you work with a captive insurance agent, who is bound to sell the policies of only one carrier, you might be severely limited in the coverage you can choose to buy. Even though they might offer quality plans, only being able to work with a single carrier won’t give you a full picture of all plans on the market.

Independent agents are not so limited in this regard. They work with multiple carriers, all of which can offer quality benefits, and some might actually offer you better perks and prices overall. Even though two policies might look identical on paper, their overall benefits and prices might be better from one to the other. One policy’s premium might also be a lot cheaper than the other, and if you were not working with an independent agent, then you might find that you are missing out on a lot of potential perks.

Independent Agents Are Community-Focused

Because independent agents are not linked directly to a national corporation, you won’t have to face pushy sales calls or continual bombardment with branded marketing pitches. Your independent agents are committed to you, and only you, which is why they are in the best position possible to help you get optimized benefits. By being rooted in their communities, independent agents know how to make sure that their clients always get the results they deserve.

Independent Agents Are Accessible

Would you rather be put on hold or speak to an automated recording when you call your insurer about filing a claim or making a policy change? That’s what you’ll often find when trying to call carrier headquarters. Independent agents put responsiveness at the top of their lists. They are experts in their fields, and they know how important it is to nurture their client relationships not only today, but well into the future.

In the end, an independent agent is a friend and advisor that you can trust to help you get insurance solutions that are personal. With them, you’ll be able to gain a partner who will be there for you through good times and bad, and will always be ready to help you out if you ever encounter problems with coverage.