If going direct to the carrier typically they can only offer one product at one price. The only way to decrease that price is to decrease coverage. That’s not much choice in product or price if you ask me.
Independent Insurance Agents carry several insurance companies offering several different types of products all providing a different level of protection and coverage’s. Whats more, each product offers a selection of discounts and credits. Take us for example. We offer a choice of more than 12 different quality car insurance companies and 10 home insurance companies; all offering a variety of credits and discounts like AAA group, association credits, education and good driver discounts, etc.
I had a particular case once where a client had an at fault accident added to their record. After reviewing the police report and multiple testimonials from the involved parties I was able to negotiate with the carrier and change the at fault to a not at fault. This saved our client 1400 dollars per year. This is just an example of the service and resource we provide our clients every day as a full service Independent Insurance Agency.
A local insurance agent is one phone call away instead of going through a horrible phone switch, ie push 1 for claims, 2 for glass claims, 3 for homeowners claims, 0 if you want us to hang up on you, etc etc. With an Independent Insurance Agency you’ll almost always work with the same person each time you call and you’ll save time getting connected to a live person right away. Even better, with each conversation your agent will learn more about you; building a relationship that allows your agent to better understand you and your specific situation.
Carriers that agents represent tend to offer multi-line policies and we can even offer these discounts with a mix of auto with one carrier and homeowners with another. If your agent is independent and not exclusive to a carrier, he or she has access to policies from multiple carriers, which can make it easier for them to offer you a competitive rate. With an independent agency we can switch carriers for our clients if need be. This is very convenient and saves a lot of time and frustration for our clients.
Myth::: Since direct carriers do not pay an agent commissions, the savings is passed on to the customer. I prove this myth wrong every time I quote. Typically I can quote the same carrier a new client may have and I beat their rate every time.
The benefit of using an independent agency or broker is that they can do your shopping for you and find you the best insurance that meets your needs. Give us a call or email, let us prove all of this to you.
Senior Insurance Consultant