7 Reasons to Work with an Independent Insurance Agent

Written By Charlotte Insurance on December 28, 2021. It has 0 comments.

people meeting with an independent insurance agent

You’ve seen the sleek and even silly insurance commercials. They’re fun to watch. The companies claim their sign-up and claims process is cheap and easy. But you’ve been there, done that, and nothing about it is easy. In fact, it’s an expensive hassle, and you’re not even sure you have good insurance coverage.

Skip the hassle and work with an independent insurance agent instead. Here’s what you’ll get when you do.

You Have More Options and Choices

Unlike agents who are employed by a specific insurance company, independent agents have a variety of insurers to choose from. That means they’re not stuck offering the same two or three policies to everyone. They can provide multiple quotes and help you decide between several potential policies to find the best coverage for your needs.

You’ll Save Money

Because you have more choices between policies, you can choose more affordable coverage. Not all insurance companies charge the same prices, so there’s no “standard” price to deal with. Even better, if one insurer raises your rates during renewal, you can request more estimates and often find another policy more in line with your budget.

You Get Unbiased Advice

An insurance agent employed by a single company can only tell you what makes their products great. An independent insurance agent isn’t tied to a specific insurer, so the information you receive is based on what’s best for you – not the insurance company.

You Get Personalized Help With Your Claim

Have you ever called the 1-800 number and waited on hold for hours only to talk to someone who doesn’t really understand your policy? And every time you call, you talk to someone else? Now compare that to calling an independent agent you’ve talked to regularly; someone who knows about your coverage and about you. That’s a much different (and better!) experience. Independent insurance agents can help you file your claim and can advocate on your behalf when there are issues with your claim.

You’re Working with Licensed Experts

Independent insurance agents are insurance professionals. They know the ins and outs of insurance, the claims process, and the different quirks of insurance companies. That’s not something you’re going to get from a Google search. They understand the details of insurance to your benefit so you know how your insurance works, what’s covered (or isn’t), and what your options are for more coverage in the future.

You Have a Personal Advisor

Thanks to the expertise and unbiased advice you get from an independent insurance agent, you’ve essentially got a personal advisor to go when life changes. Getting married? They can help you with your home, auto, and life insurance. Buying a house? They can walk you through homeowners insurance. Not sure which vehicle to buy? Your insurance agent can let you know the potential impact on your auto insurance.

You Get One-Stop Shopping

Buying insurance doesn’t have to be a hassle. When you work with an independent insurance agent, you make one call or send a single email to start the process, and they can help you with all of your insurance needs: home or renters, auto, life, health, and even business insurance. You don’t have to spend a lot of time going from company to company, site to site, to buy insurance. They can help you do it with one call.

Ready to switch to an independent insurance agent and get all the benefits while saving money and time? Contact Charlotte Insurance today! We can help you with all of your insurance needs.

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