Buying insurance is just about the last thing that most of us want to do. It’s complicated, takes a long time and you’re never quite sure that you’re getting the coverage you need or the best price. This is where an independent agent, who is licensed to sell insurance products for multiple companies, shines. Using an agent is like having a personal assistant to help you buy insurance.
At the end of the day, you want to make sure that that you have the best coverage at the most affordable price. Working with a trusted, experienced insurance agent who knows and understands your personal situation and needs can help guide you in the right direction. They’re able to look through dozens of companies and policy options to make sure you have the coverage you need and make sure you understand your policy service options before making a final decision.
An agent can also help you review your coverage regularly to make sure your coverage is up to date and reflects any big life changes. Here are 5 reasons to choose an independent agent:
1. They give you options – Independent agents represent many different insurance companies so they can offer you a variety of coverage options and price points. Agents use their connections and knowledge of the market to find you a better value for your insurance dollar than you might find searching on your own. Your agent is going to do the shopping while you do the saving.
2. They are licensed experts – A good agent can explain the complexities of insurance in terms and help you make smart decisions. They make work hard to understand their customers’ insurance needs and match them with the insurance carrier best equipped to meet those needs at a price the customer can afford. Seek the advice of a licensed insurance professional is the best way to be certain that your car, your home, and business are properly protected.
3. They are your advocate – If you have questions about a claim, miss a payment or need to change your coverage, your agent is your advocate and works with the insurance company on your behalf.
4. They are your neighbor – Independent agents are your neighbors…they are a part of the community where you live, and understand the ins and out of the neighborhood. Your agent is likely very involved in the community, sponsoring youth sports teams, shopping at local businesses, supporting local schools, and participating in community groups and events.
5. They want to be your agent for a lifetime – Your agent is invested in your success and there to help you through all the changes in your life. Whether that means going from renting an apartment to buying a home, starting a business, getting married, renovating your home, adding a teen driver to your auto policy, or looking to cover that retirement condo.