10 Reasons to work with an Independent Insurance Agency/Agent

For most people insurance and all things having to do with insurance is frustrating and confusing.  Fortunately there is help available.  Listed here are what I would consider the top 10 reasons to use a Independent Agent/Agency when purchasing insurance protection for you and your family. With that being said by no means am I saying that a captive or direct agency is any less professional or capable. However there are some differences. You can decide what works best for you.   

1.  Treats you like a Person not a policy number   

WOW! What a concept. To think that your business is actually appreciated. Relationships with clients are the life blood of any Independent Agency.   

2. A Person who understand your unique situation and your priorities   

Acting as your consultant they will want to understand your particular situation so that they will be able to give you sound advise.    

3. Excellent service and competitive prices because of the professional relationships developed with multiple insurance companies   

These two elements are key portions in the formula to keep you as a long term client. Exceeding your expectaions in the way of customer service and always having a competitive price are paramount for the Independent Agencies survival.          

4. You get an unbiased opinion on multiple carriers and their particular product lines   

To me this is a really a huge benefit. Each insurance company has a certain “appetite” for certain situations or to say things they specialize in covering. Perhaps it’s a high risk auto policy or life insurance for a individual that has a medical condition. Just having an expert on your side that has access to multiple companies and the knowledge of those companies, can potentially save you thousands of dollars over the life of the policy.   

5.  One stop shopping for all your protection needs   

One word Walmart. A part of their success has been the convenience to go one place for all your needs. The same holds true for your Independent Agencies. Most agencies will have all the protection products available to you so you truly will only need one agency to handle all your insurance needs. Oh and by the way they aren’t made in China.   

6. Independent Agencies invest in long term relationships   

I’ll let the cat out of the bag. Independent Agencies don’t have multi million dollar marketing campaigns. Unlike direct or captive agents who work for the company and benefit from the large add campaigns of the Geicos, Progressives, State Farms, Allstates (you get the picture). Independents, rely on long term relationships for the stability of their agencies.  Each client represents more than a market share. It’s an opportunity to serve their client and grow their agency at the same time.    

7. They are value hunters looking for ways to save you money while maintaining the best price, coverage and service   

If you read #6 then this is a no brainer. The primary goal is to keep you as a client one part of the formula  is to consistently shop for the best rates on the market. If I only represented one company and they raised the rates what would I be able to do for you? I can give you an excuse or some how try to spin it so that it’s your fault. By have multiple sources an Independent is always positioned properly to assist with rates.   

8. They don’t have a quota to make thus ensuring your always getting the right coverage, at the right time, with the right company at the best price   

Most Independent Agencies don’t have a quota to make thus eliminating the appearance of an agent recommending one company to meet production goals. You will always know that you are the top priority.        

9. They are not beholding to any particular company, so there is no need to change agencies as your insurance and service needs change     

The insurance protection needs you have today likely will not be the needs you have in the future. Its reassuring to know that as those needs change you won’t have to look for another agency to handle those needs. As an Independent you will find they are as flexible and fluid as the times. Yet another part of the formula to keeping you as a client.   

10. Same Pricing    

The best part of it all is partnering with an Independent Agency doesn’t cost you a thing.