Many insurance companies and many policy options exist, so it’s important you find the correct coverage to suit your needs. But, buying without expert advice often means that you’ll end up paying more money for less coverage.
Here are just a few reasons why working with an independent agent offers you more.
Saves Time
An independent insurance agent does the legwork for you. You needn’t search for hours looking for the best deals. They understand the insurance industry and which insurers offer specific coverage types. Why waste your time when you can have someone search for you at no additional charge?
Offers More Choices
When you use a single insurance company, you can only choose between the policies they offer. However, an independent insurance agent has access to many companies and options. This makes it possible to personalize your coverage for your specific needs.
Offers Expert, Unbiased Advice
Your independent insurance agent knows the industry, understands policy language, and follows recent trends. They simplify the buying process, provide expert advice, and they help you minimize your risk. They are also available to answer your questions, clarify grey areas, and follow best practices for optimal coverage.
Forges a Long-Term Relationship
When you work with an independent insurance agent, you forge a long-term relationship. It’s not a matter of just buying a policy and renewing each year. They get to know you and your insurance needs, which often change. They’re there for you when you child starts to drive or heads off to college, when you decide to start a business, and when you buy or sell your home. They don’t recommend generic, broad coverage policies, but policies specifically suited to you and your changing needs.
Discounts
Your independent insurance agent actively looks for ways to save you money, while providing the best possible coverage. Many insurance discounts exist, but insurance companies don’t always apply them automatically. Since your independent insurance agent knows about your life, they’re also aware when you qualify for potential discounts.
They will also explore whether a multiline discount could save you money. If you insure your car and house with the same company, it often leads to substantial savings. The same applies if you have more than one vehicle or life insurance. Your agent’s goal is to provide you with optimum coverage at the most reasonable cost.
Participates in the Community
Independent insurance agents work, and often live, in your neighborhood. They understand the needs and concerns of the community and they often participate in local events and charities. The money you spend on your insurance often returns to the community, too.
Maintains Professional Conduct
A good independent insurance agent has a state license and follows a strict code of conduct.
Experience is very important, too. Ask a potential agent about their history and do a quick search online for customer reviews.
Assists with Claims
A very strong advantage of working with an independent insurance agent is that they’re on your side if you need to make a claim. Insurance companies don’t want to pay out more than necessary, but your agent can help you through the claims process for a fair settlement. Since they work in the industry, they speak the same language as an insurance adjuster and know the paperwork.
Buying insurance based solely on price doesn’t necessarily mean you’re getting what you need. An independent insurance agent has access to many products and insurers and can often match or beat online premiums, and with superior coverage. Since they offer their services at no additional charge, why not take advantage of their expertise?
At Western Pacific Insurance, our agents are ready to help you review your existing coverage or provide you with a quote for new coverage. Contact us today to find out how we can help you protect the life that you’ve worked so hard to build.
