Online advertisements sometimes promises significant savings on your insurance in exchange for just a few minutes of your time can be enticing, but it’s important to question what you may be losing for this drop in dollars and how comprehensive your coverage is if designed in just a few minutes.

Price represents just one of many important factors in the insurance industry. Finding the right coverage for all your needs often involves research, but you don’t need to do all the hard work yourself. Instead you can work with an independent insurance agent, who will review many different insurance companies’ rates and coverage options to determine the best fit for you.

6 Reasons you Should Choice an Independent Insurance Company to help you:

1. Customer Service – Would you rather reach an automated recording or an actual person when you have questions about coverage or if you need to report a claim? More companies these days have switched to an automated system and it’s sometimes difficult to speak to an actual person when you need to.  However, many independent insurance agencies have an actual person who will assist you. If you have to report a claim your agent can help you report the incident and can explain what your policy covers. Your independent agent can help you if you experience significant loss, such as water damage to your business and will help connect you to the reputable remediation company right away.

2. Personal Shoppers – Working with an independent insurance agent can be compared to having a personal shopper. Similar to a real estate agent who help your find your ideal home. An independent agent will review many different insurance companies’ rates and coverage options to help you secure the right policies that best suit your needs. You may think this comes at an additional cost to you but independent agents do not add extra charges to your insurance companies’ rates. So you can choose to work with an independent agency, which will handle all your coverage needs and assist you with claims, and if you have important questions you may have, from billing to coverage concerns, and always there on your behalf, at no additional cost.

3. They are Licensed Experts – Independent Insurance agents can explain the complexities of insurance in simple terms, helping you make a smarter decision. Their goal is to match you with the right insurance carrier that best equipped to meet your needs and price.

4. Personal Advisors – Working face to face with you agent they become your personal advisors, taking the time to listen to you and understand your individual needs. They know it’s not just about finding the price you can afford but also making certain you have the right coverage so that you don’t end up insurance poor if you do suffer a loss.

5. They are right around the corner – Your independent agents are your neighbors, they share your interest in the community where you live and understand the benefits and challenges of living in your local area. Many independent insurance agents are also actively helping your local community. As local business owners, many insurance agency principals place a strong emphasis on giving back to the community.

6. They are consultants for a lifetime – Independent agents periodically review your coverage. They are there to help you through all the changes in your life, whether you’re 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.

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