Five Benefits of Working With an Independent Agent

March 9, 2021

Buying insurance can be confusing. How do you know how much you need or what type of coverage is necessary? Insurance agents can shove many different terms and coverage amounts down your throat, how do you know which one is right for you? What if you have unique needs? Will an insurance company be able to accommodate you?

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When you work with an independent insurance agent, you have a better chance at getting the insurance that you need. Keep reading to learn the top five reasons you may want to consider it.

You Have More Choices

Independent insurance agents aren’t tied down to one insurance company. This works to your benefit. They work with a myriad of agencies, each of which has different insurance products. This gives you many choices while working with only one agent. Why spend your time dealing with multiple insurance agencies and agents on your own? Instead, you can use an independent agent that will do the ‘shopping’ for you. All that you have to do is choose the package that works best for you.

You’ll Understand the InsuranceOptions Better

It benefits an independent agent to break things down into layman’s terms for you. When you have a bunch of insurance terms thrown at you and you don’t know what they mean, you may end up choosing a policy that you don’t need.

Your agent will break things down for you and help you understand what the different terms mean for different agencies. Unfortunately, different agents may use different terms. If you don’t know what they mean you could end up paying for coverage that you don’t need or overlooking coverage that you do need. Your independent agent will make sure that doesn’t happen.

You Can Find the Lowest Prices

On top of having choices to make sure you get the best coverage, you can also compare prices of the different insurance packages. Your independent agent will be able to find policies that allow you to compare ‘apples to apples,’ so to speak. You shouldn’t compare two different policies to one another as that wouldn’t be a fair comparison.

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For example, let’s say one policy has $100,000 dwelling and another has $200,000 dwelling. The $200,000 policy will probably cost more as it should. It doesn’t make sense to compare the two. But this is a simplified example, your agent will help you break down the different parts of each policy to ensure that you compare the right policies.

Your Independent Agent can Provide Advice

Your agent doesn’t work for one agency so he/she won’t feel pressured to talk you into a specific policy. Instead, he/she can go over the various policies with you and help you decide which one fits your needs the most.

If you need a policy that is ‘outside of the box’, you’ll have a better chance of getting what you need because your independent agent can negotiate with various insurance companies on your behalf. Because your agent likely has relationships with a large number of agencies, you have a better chance of getting the exact policy you need at a price that you can afford.

You Have an Advocate for Life

As long as you do business with your independent agent, he/she will likely watch for better deals for you. Did you know that you are supposed to shop your insurance on an annual basis? If you don’t have the time or you just forget, you could end up paying more than necessary for your policy. You don’t have to take that chance if you use an independent agent. Your agent will be on top of things, letting you know when a better policy comes along.

An independent insurance agent can provide you with many benefits. You’ll still get the same coverage that you need, but possibly at a better price or you’ll find a better policy that you wouldn’t have found on your own.

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