Benefits of Having an Insurance Agent

 Assuming you make the right decision and go with an  independent insurance agency, you have a much better chance at saving money. Independent insurance agency use their experience as leverage to keep insurance companies honest with their rates. They also shop your policies annually.
 

An insurance carrier's risk is typically lower when issuing policies through agents because proactive agents provide clients with sound risk management advice to help reduce their risks and exposures. 

 When you buy insurance directly from an insurance company, you are limited to their products only. Actually, you can get stuck with a direct agent too! The industry refers to them as 'captive' agents.  

Independent insurance agency however, can provide you with products from almost any insurance carrier on the marketplace based on your price and coverage preferences.

Independent insurance agency also offer the freedom of a one stop shop. By consolidating your insurance needs under one roof, you will avoid multiple rounds of phone calls, policy agreements and rotating account managers... you will also save yourself a lot of time.
 

Let's say you purchased a home insurance policy from an independent agent. Then, you decide you need a  cyber liability policy for your business. Instead of starting over with another company, just call your agency.

 When dealing with something as delicate as insurance, positive interactions are so crucial.

Imagine divulging sensitive information or calling in the middle of an emergency. If the person on the other side of the phone is familiar, friendly and has your trust, you will feel safe. Now imagine if it was a stranger... every time.

 Don't make insurance more complicated than it already is. To really be on top of your insurance policies, there are so many insurance terms, legal clauses and coverage limits you must be aware of.

Think of your agency like an advisor, a lawyer and an advocate. They handle all of the complex, unsatisfying aspects of insurance on your behalf, while providing insight and advice when necessary.