4 Advantages of an Independent Insurance Agent

An independent insurance agent is an individual that does not work for one particular insurance company. Instead, they sell insurance policies from several companies. Working with this type of insurance agent instead of an agent that is affiliated with a particular brand can be helpful. Here are some of the advantages of working with this type of agent.

1. More Choices

One of the biggest advantages of working with this type of insurance agent is that you will have more choices. When you work with one insurance company, you will have limited insurance options available. On the other hand, when you work with an independent insurance agent, they can show you all the options from many insurance companies. This will provide you with many options to choose from and it will ensure that you find a policy that you like.

2. Save Money

Another advantage of using an independent insurance agent is that you will be able to save money. When you look at different choices, you can generally find one that is quite a bit cheaper than the rest. The insurance agent will not try to make you focus on a particular brand or company and will instead be focused on helping you find the best deal. This will allow you to save money on your premiums and still get a policy that gives you what you need.

3. Unbiased Advice

Working with an independent agent can also provide you with much needed, unbiased advice. When you work with only one insurance company, they will want you to believe that they are the best option for you. In reality, they may not even be one of the top three choices that you should be looking at. Independent insurance agents are very knowledgeable about the industry and the different companies that exist in the marketplace. They have worked with customers in the past and have a good idea of which companies have the best track record when it comes to pleasing their customers. They can narrow your options down and help you choose between the best insurance companies in the market.

4. Help With Claims

If you have an insurance claim, this type of agent will most likely help you with the process. Since they do not work for a particular insurance company, they do not have to go by the strict protocol that company agents do. Even though the insurance company will most likely send in adjuster to look at your loss, you have an agent that will be working for you. The insurance industry is very complicated and there is a lot of technical jargon that is used. If you are not familiar with how the process works, the insurance company can end up taking advantage of you. If you have a trained professional working for you, instead of the insurance company, you will get a fair settlement that puts you back where you were prior to the loss.