Finding the Perfect Match: Benefits of Working with an Independent Insurance Agent
Buying insurance isn’t simple—it’s not as easy as clicking a link or swiping a credit card. In today’s digital age, we might be used to making decisions from the comfort of our homes—and our smartphones—but when it comes to insurance, the decision shouldn’t be made so quickly and without thorough consideration of all available options.
For this reason, it’s a good idea to work with an independent agent on all things insurance, whether purchasing a policy for the first time, wondering about bundling, or looking to switch to something new. Since these decisions shouldn’t be made lightly, it helps to have an expert on your side, working with your best interests at heart.
At C&S Insurance, we don’t work at the behest of insurance companies—we work for you. So, let’s explore the benefits of hiring an independent insurance agent.
An Unbiased Opinion
What makes an independent insurance agent independent? In simple terms, it means they don’t work for insurance companies. While captive agents work for specific companies, such as GEICO or Progressive, independent agents work for an agency like C&S. An independent insurance agent works in your best interest—rather than the interest of an insurance company.
Because they aren’t employed by one specific insurance company, independent agents can sell you policies from different insurers and help you find the best option to suit your needs. They can also provide you with information about other companies in an unbiased manner.
Independent agents can find the best deals by assessing your needs and several companies’ offerings. They can help you save money and get the best coverage for a competitive price. There are no extra costs to working with an independent agent, as they get paid via commission from the policies they sell.
Industry Expertise
Independent insurance agents are experts in their field. They are licensed professionals, just like financial advisors. As insiders with experience dealing in policies from various companies, they can provide you with industry insight. One survey found that 56% of customers agreed it would be useful to have access to an expert when making decisions about home insurance.
Independent agents aren’t just helpful when you’re buying a new policy, they can also help you navigate the claims process. They can assist you in reporting claims, answer any questions that come up, and act as an advocate—helping you achieve fair settlements in an efficient manner.
Keep it Local—and Personal
Who enjoys waiting on hold for hours with a huge company located on the other side of the country? Or growing ever so frustrated with a robot that answers the phone? With a local independent insurance agent, you don’t have to.
Not only do you support your local economy by working with an independent insurance agent—but you also support your own insurance needs. Independent agents who live and work in your area—who you can meet with in person—will have better knowledge of you, your needs, your interests, and your assets than someone you’ll never see face-to-face. They have strong knowledge of risks in your area, such as floods and fires. Working with a local agent also helps you avoid those long waiting periods on the phone and saves you the pain of speaking to an automated answering machine.
Your local insurance agent is your one-stop shop for all things insurance. Rather than calling around four or five different companies yourself, trying to gauge price and coverage differences, your agent will do all the hard work. And because they know you and your personal needs, they can continue to offer you advice as those needs change over time, as your trusted advisor.
There is so much to love when it comes to working with an independent insurance agent. Talk to an agent at C&S to get started today.