Shopping for the right insurance policy isn’t fun, but there’s a lot riding on it: your health. Your home. Your ability to support your family, or to bounce back when the unexpected happens. Making sure you have the right coverage is a big deal. But you don’t have to be in it alone. Whether you’re looking for health, auto, home, or life insurance, independent insurance agents can help you navigate the often murky waters of insurance coverage options and quotes. Keep reading to find out what sets independent insurance agents apart from the crowd–and why you should consider working with one as you shop for the right policy.
What are Independent Insurance Agents?
Independent insurance agents aren’t married to any one insurer. Instead, they work with many different insurance companies to sign policies. That means that they have a uniquely valuable service to offer you.
Independent agents are free. Because they’re not bound to a single company, they can offer honest, unbiased advice about coverage and policy options. An independent agent won’t recommend a company just because they work for them. Instead, they’ll talk to you about your needs and concerns, they’ll get quotes for you, and they’ll give you real, down-to-earth advice you can use to make the best choice.
Independent agents offer choice. In one stop (or one phone call), you’ll be able to explain what you’re looking for, provide your basic information, and get quotes from multiple different insurers. You’ll save hours of time and energy, get the same cost/coverage breakdown, and then consider all your options side-by-side.
Independent agents are local. Instead of talking to someone in a call center across the country or on the other side of the world, you’ll talk to a licensed agent who lives in or near Fishers. If you have questions, you’ll have the option of dropping by their office to talk to them in person. They’re familiar with your area, and they’re likely also familiar with the risks that concern you. The customer service you’ll receive from an independent agent is a cut above.
Will an Independent Agent Cost Me More?
Independent agents can typically save you money–sometimes a lot, sometimes a little. Though they do collect a commission for each policy they sign, they can usually also offer lower rates than captive agents or direct companies, and they pass on those lower prices to you. They can also save you money by comparing quotes from a much wider pool of potential insurers than you would have thought to contact. So you’ll spend less time trying to collect quotes, come away with a diverse stack of quotes to choose from, and be able to choose the best option for your coverage needs and your budget. It’s hard to beat that.
Many customers say that the improved user experience alone made it worth it for them to switch to an independent agent. Just having a real person available to answer questions and help detangle the buying process can make all the difference. Contact us today to talk to one of our agents or to learn more about the way we operate! We’d love to help make sure you have the information you need to invest in the right coverage for your needs.