Why use an independent insurance agent?

There can be confusion about WHY someone would seek out an independent insurance agent, verses buying online, or directly from an insurance company. People often assume that it must cost more to use an agent – that the costs must be built-in like they are when people use real estate agents. This is not the case. It costs exactly the same despite the method of purchase that you choose.

So why bother with an agent? Well, for one thing… an independent insurance agent, like me, is not tied to just one company, so you are empowered by options – whether it be cost, companies or policies. Since an independent insurance agent is familiar with these things, he/she can cut to the chase and find the best solution for your needs without you having to: a.) get the pitch from several companies yourself and b.) spend hours glazed over the fine print on an impersonal website. Once I gain an understanding of what you are looking for, I can run health and/or life insurance quotes with all of the top-rated companies to find not only the best price, but the best coverage for your needs.

With an independent agent, you get your own personal expert. A good independent insurance agent will pour over product documentation – finding the strengths and weaknesses of each product. As a dedicated insurance agent, I attend training sessions, take Continuing Education, develop relationships with the reps at the insurance companies, and generally become immersed in the insurance world – it’s a lot of information and that’s why I’m there – to explain, counsel and break it all down for you. I can look at your current policy and make sure that it’s exactly what you need.

Another reason to use an independent agent is that a good agent will monitor your policy for you. Rates tend to go up every year and if you’re not careful you could be paying more than you should be. I will watch your policies and recommend changes when needed. Generally speaking, you won’t get that kind of personalized attention when you deal direct or online.

In summary, it’s a no brainer to use an independent insurance agent versus buying direct or online – you get a wider option-base, an expert helping hand, and a personal advocate – all at no additional cost! My advice and quotes are always free, whether you buy anything or just want assurance that your policy is a good one – give me a call.