These days, when it comes to buying insurance of any kind, most people assume the only option is to go online, find an insurance agency that covers what you need, and purchase your insurance on your own.
This isn’t how it’s always been with insurance, however. Independent agents are still around and thriving. Moreover, using them to your advantage is a great idea for your peace of mind … and your pocketbook. In fact, going with an independent agent over a direct purchase of insurance straight from an insurance agency can save you loads of time, money, and energy.
Why Are Independent Agents Better?
In order to understand why independent agents are your best option for purchasing insurance, it’s first important to know what all of your options actually are.
Essentially, there are three ways to buy insurance. First, you can buy direct from the insurance agency. This is generally what people do when they go with insurance agencies like Esurance and Geico, and most people assume this is the best way to do things because you get a good deal and you cut out the middleman (the insurance agent).
The next way to buy insurance is with a captive agent. A captive agent is a local insurance agent who represents just one insurance company. For example, you might go with a local captive agent who works only for Farmers Insurance. They can help you with all of the Farmers Insurance policies available. They won’t help you find insurance anywhere else — even if there are better deals elsewhere.
The last way to purchase insurance is through an independent agent. These are local agents who represent numerous insurance companies like Safeco, Travelers, or Hartford. These agents have your best interests in mind at all times. They’ll listen to the types of insurance you need and help you find the best plan for you and your family — no matter what insurance agency that’s with.
Moreover, independent agents can help you with all different types of insurance, from home and auto insurance to travelers insurance and life insurance. You simply pick an independent agent you like working with, and you can consider your insurance set and good-to-go.
Independent Agents Offer the Best Insurance Policies
The best part about working directly with an independent agent for all of your insurance needs is that you know they’ll be giving you the best deals and the best value for your money. They don’t care about only pleasing the insurance agencies because they are working for you. Furthermore, if your rates go up with a policy you’ve initially chosen, you can cancel that policy without leaving your independent agent. They’ll simply help you find another policy that better fits your needs.
We understand that finding the right insurance policies for your family can be a complicated and confusing matter, but it’s definitely important, and it warrants some time, energy, and thought. Fortunately, when you choose the right independent agent in your area, most of the work is done on their end. They’ll help you find the right coverage and ample limits for all of your insurance needs. They do earn a commission but don’t expect it to be more than if you purchased your insurance directly from an insurance agency. Actually, they’ll likely save you money because they’ll provide you with the widest array of choices.
If you’re already using an independent insurance agent and value the service they provide you with, be sure to share the fact that you use an independent agent with your friends and family — it’s not a well-known practice in some parts of Wisconsin.
And if you’re still looking for a great independent agent in? Feel free to stop by or give us a call at innovante insurance.