Why Consider an Independent Insurance Agency When Buying Insurance?

Posted on: 21 October 2022

Big-name insurance companies often have dedicated insurance agents and agencies who work only for them. The only insurance products they sell are for a single company. While these agencies have splashy television advertising campaigns, they aren't always the best choices for the average person. These are a few reasons why you might want to consider working with a local independent insurance agency rather than one that is tied to a single insurance provider.

Greater Coverage Flexibility

The more insurance providers an agency works with, the greater flexibility they have to offer when it comes to coverage. You are unique. As an individual, you need insurance that meets your specific needs. The more providers an agency works with, the greater the odds they will have access to a provider that offers the "just right" insurance coverage for you, your family, or your business. It means you aren't boxed into a "one size fits all" insurance policy that either costs too much or protects too little.

Broader Options for People Who Are Difficult to Insurance

Whether due to a series of unfortunate events or you went through a string of bad luck in the past, there are some individuals that major insurance providers are reluctant to work with. It could be due to a large claim or multiple small claims within a short span of time. Because an independent insurance agency works with numerous providers, the likelihood of finding an insurance provider that is willing to take the risk of working with difficult-to-insure individuals is greater.

Better Customer Service

While everyone has an occasional off day, the odds are good that you will receive far superior customer service when purchasing insurance from an independent insurance agency. While it may not be that big of a deal when you're buying your policy, it will make a huge difference if you ever need to file a claim. You don't want to spend endless hours on hold when you're in the middle of a crisis and uncertain about what lies ahead. You want a person you can talk to who can guide you through the process quickly.

Buying insurance is something no one really enjoys doing. However, most people understand that it is something you can't afford not to do. That is why working with an independent insurance agency that is dedicated to helping you reduce your risks and recover from disaster more quickly usually works best.