Independent Insurance Agent: 10 Important Reasons to Choose One!

10 Reasons to Choose an Independent Insurance Agent 

1. More Options and Better Deals 

As independent insurance agents engage with numerous carriers. They can provide their clients with greater and better options tailored to their specific needs. Furthermore, they have access to a considerably broader range of insurance products. With more options, you may get lower rates, less limited policies, and better coverage. 

Moving on, they can offer you a variety of quotes from different companies and help you find out which company offers the cheapest insurance and best coverage at your price point, as independent agents are not tied to any one carrier or constrained by only offering policies from a limited selection of companies. 

 2. Personalized Service 

Independent agents provide a more personalized service, not limited to one carrier. Hence, they take the time to learn about their clients to better match them with the right policies and rates. 

Moreover, independent agents may also help you with more personalized services. This includes claim processing, policy adjustments, and calling your insurance carrier to get answers on your behalf. 

3. Saves Money and Time 

Independent insurance agents can provide quotations from various insurance firms, potentially saving their clients a lot of money. Furthermore, they’ll look for the greatest deal by figuring out the optimal price-to-coverage ratio. Moreover, an independent agent can provide you with information and more, saving you time and energy in your search for the perfect policy. 

Furthermore, because independent agents do not prefer one brand over another, you will be able to evaluate a variety of pricing for the same policy. Therefore, this comparison can save you a lot of money. 

4. Unbiased Opinion 

Independent insurance agents are independent of any particular insurer. Accordingly, they have no vested interest in selling one product over another. Therefore, independent agents provide unbiased information about the products they sell. 

Accordingly, you’ll be able to gain insights into industry trends that will help you make informed decisions when purchasing an insurance policy. So, buying from a captive agent might not give you that experience. 

5. Better Customer Service 

They have more flexibility when helping clients with claims or answering questions about policies. In most cases, a hands-on independent insurance agent can handle a claims issue within a few days. So, they’re active throughout the process and can help their clients understand the often-confusing terminology of insurance. 

Therefore, when you work with a local independent agent, you can expect rapid responses to your inquiries and requests, which is a huge plus point in choosing an independent insurance agent. 

6. Their Main Priority is You 

Independent insurance agents, unlike captive agents, are not bound to promote a specific product or service. Therefore, their main priority is finding the best possible coverage for their clients. So, they will work tirelessly to do so. 

Furthermore, a client-focused agent with specialized knowledge and experience can explain how an insurance product works and why it might be a suitable fit for you. Lastly, they work for you and represent you, not the insurance company. That’s a significant difference. 

7. Expertise from Your Area 

Independent insurance agents not only give back to the community, but their knowledge of it also comes in handy when it comes to protecting your house and valuables. 

This is important, as not all insurers offer the same protection for every city or state. Therefore, an independent agent who knows their stuff will be able to guide you to a policy that covers your home and its contents adequately. 

8. Licensed, Experienced, and Knowledgeable 

According to TheBalancesmb, The fact that an independent agent is a licensed professional is one of the benefits of using him or her. A licensed agent is bound by a number of legal requirements, including operating ethically and in your best interests.  

Independent agents can simplify the intricacies of insurance for you, allowing you to make informed decisions. They are familiar with the ins and outs of various insurance companies, allowing you to choose from a variety of possibilities. 

Moreover, they also keep up with industry trends so they can provide you with the most up-to-date guidance. In simple terms, when it comes to analyzing choices and getting you the best coverage, an independent agent’s experience is unrivaled. 

9. One-Stop Shopping 

Independent insurance agents can shop for multiple insurance companies. If you have a need, they’ll find an option that fits your needs and budget. On top of that, they’ll often provide advice on saving money by bundling policies such as auto and home or landlord/renter’s coverage. 

If you’re searching for more than one type of insurance, an independent agent is your best bet. Hence, rather than visiting several agents or insurers, you can go to one location and receive quotes for all the types of coverage you need. That’s a lot less hassle on your end! 

10. Reputation for Being Trustworthy 

The last thing you want is to be sold on a policy that doesn’t adequately cover your needs or costs more than it should. Generally, independent insurance agents have a reputation for being trustworthy and reliable. So, this means they’ll always recommend the best coverage at the most reasonable cost. 

Choosing an Independent Insurance Agent: The Bottom-line

Lastly, independent insurance agents are a good choice if you’re looking for someone who will go above and beyond to find the best coverage options at the most reasonable pricing. Furthermore, if you are seeking the best insurance, whether it is for your house, renters, or auto, don’t hesitate to get in touch with us. So, contact us and one of our insurance specialists will assist you in finding the best coverage for you. 

Frequently Asked Questions

1. How do independent insurance agents work?

Insurance agents or brokers who a single insurance company does not employ are independent agents. As a result, independent agents are allowed to offer insurance policies from various businesses and are compensated on a commission basis for each policy sold.

2. Why should you use an independent insurance agent?

They provide you with a choice. As you know, independent agents work for various insurance firms that offer a wide range of coverage and price points.

3. How do independent insurance agencies make money?

Independent agents are typically compensated on a commission basis. They make more money the more clients they serve.