Companies that only focus on the cost of insurance give little to no consideration for the dramatic differences among policies and the many factors to consider besides price. Unfortunately, many consumers end up paying more in the long run once a claim is made and the reality of their woefully inadequate coverage from a cut-rate carrier comes to light.
An independent agent can help you understand your coverage needs and help you find an insurance company that meets them. A captive agent only has one company’s coverage options to offer. Online agents also only sell one carrier’s policies, and the policies are sold online or over the phone. Without a lot of overhead, they may be able to give you a cheap price, but the coverage could be lacking.
The additional perspective of working with an independent agent gives people seeking insurance a definite advantage. Whether you are searching for a home and auto policy or insurance for your small business, here are five reasons to work with an independent agent.
Experience – Insurance can be confusing, and it’s tough to know which carriers are good to work with, especially when filing a claim. An independent agent has experience working with multiple carriers and can offer greater perspective that a captive agent cannot. Plus, SECURA works with established, experienced agents who meet our high standards of customer service.
Comparison shopping – You can compare carriers and products to help you find the most effective coverage at the best value. Because an independent agent has access to multiple insurance companies, they are able to offer you competitive pricing and quality service.
Assistance – Comparing apples and oranges is never easy. Each insurance company offers different coverage options, and an independent agent can help you sort out which are best suited to your needs. Plus, they work for you, not the insurance company, so they have your best interests in mind.
Customized coverage – Do you need a combination of coverages for your home or business? Independent agents understand the nuances of policies and coverage options from each of their carriers and can leverage these products to your advantage.
Navigating claims – Captive agents are obligated to watch their insurance company’s bottom line. Independent agents are free to represent you, their client, and advocate on your behalf after filing a claim, so you can get back to business as usual.
With help from a trusted independent agent when making a buying decision, you can ensure that you are getting the customized coverages you need to protect your business or home. Individual attention is something the big name direct sellers can’t offer. That in itself shows a marked difference among companies and policies.
Let us help you find an independent insurance agent in your area. It will be time well spent.
