While shopping for insurance policies is probably no one’s cup of tea, did you know there is a way to make it a whole lot better?
In fact, the majority of the time, how you purchase insurance is what makes the biggest difference in regards to what your policy covers and how much you’ll pay.
Buying Direct Vs. Buying From an Agent
Today, if you’re looking for a new auto insurance policy, for example, you can simply go online, go to an insurance company’s website, and find the best plan for you.
Once upon a time, however, insurance was not sold directly from the company. In other words, if you wanted to purchase an insurance policy, you had to see an agent.
An agent was (and still is!) someone who was professionally licensed to sell insurance. They didn’t get paid directly from the customer (you), but they did earn a commission from the insurance company they worked for. With an agent, you were able to sit down face-to-face and one-on-one to discuss your needs for insurance (all insurance, including auto, home, life, health, etc.), and the agent found the best policy for you.
Historically, there have been two different types of independent agents:
Captive agents: These agents work for just one insurance company.
Independent agents: These agents work for a number of insurance companies.
Fast forward to today, and agents are not as prevalent as they once were. But they do exist, and working with them (in particular, independent agents) is extremely beneficial. Unfortunately, many people don’t know about agents because most people think that going directly to an insurance company and buying direct is the way to go.
Why You Should Choose an Independent Agent Every Time
It’s common to assume that taking out the middleman/agent (and the commission they earn) will lower your insurance rates and ultimately give you a better deal for your money.
This couldn’t be further from the truth. When you work with an independent agent, you get a choice. The independent agent can show you a number of policies from a number of different companies and find the one that works best for you. They’re your advocate. In the end, you’ll save money, time, and energy. It’s the best way to go.
Still on the fence? Consider this: People of all ages, backgrounds, and occupations need insurance of various kinds to survive and thrive — to protect themselves, their family, and their assets. For example, let’s say you need health insurance, life insurance, renters insurance, and auto insurance. With an independent agent, you can go to this one individual to get all of your insurance. You’ll know that you’re getting the best rates on every type of insurance you buy, and the guesswork will completely disappear.
Independent Agents Are the Way to Go
If you’ve been searching for a way to buy better insurance with better rates, but haven’t yet come across it, you’re not alone. Many people struggle with finding adequate insurance with ample limits.
Now you know that buying direct isn’t the way to go. Fortunately, the answer for you could be independent agents.
Erica Boll Insurance is here to help you find all of the insurance policies that meet your needs and your budget. If you are searching for better insurance at better rates, give us a call today or stop in at your convenience. We look forward to working with you!
