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Why Have An Independent Insurance Agent

By January 24, 2014October 2nd, 2018Auto Insurance, Independent Agents

Benefits of Choosing an Independent Insurance Agent

Every day you are faced with numerous ads about insurance. A talking lizard says buy direct from him. Another ad tells you you’re in good hands if you buy direct. There are so many insurance ads that it’s hard to know what’s best way to buy insurance. That’s why you need an independent insurance agent.

Buying insurance is not like buying most anything else. It’s about properly protecting your car, your home, your business against unforeseen future risks. Maybe one insurance company can’t take care of all your insurance needs. Maybe you don’t even know for sure what kind of insurance you need to protect your family and you.

Who Are Independent Agents?

Independent insurance agents represent a number of different insurance companies and can quote a wide range of insurance products. An independent agent has the opportunity to study different carriers in an effort to best match price and coverage for your needs. And if a carrier is competitive one year but not the next, your independent agent can help you find a different company. That is why they are called independent.

Independent insurance agents own their own businesses and are in every part of the USA. They are part of your community; they are members of local organizations; they support local charities and they are trusted agents. They work on your behalf and educate you on the insurance you need to consider.

The Difference between Independent Agents and Others

When you are shopping for insurance, it’s important to have choices. You only have one choice when you purchase from agents who represent just one insurance company. Agents who represent only one insurance company are sometimes called ‘captive’ agents. Online direct insurance companies sell direct to you without even using an agent, in most cases.

An independent agent is not beholden to any particular insurance company and is your independent advocate. An independent agent can provide you with multiple quotes from multiple carriers for you to choose from. Just think who you would want to represent you should have a claim.

Reasons to Choose an Independent Insurance Agent

Independent insurance agents are trained to be your trusted advisers who understand risk and can offer you choices.

  • They are licensed professionals who must pass rigorous tests and take continuing education classes.
  • Most independent agents are small-business owners or work for local agencies in your community.
  • Independent agents are focused on you, the customer. Their business depends on it. And you can depend on them to be there with you if you need to file a claim.
  • Because independent agents represent many insurance companies, they are trained in many products, they know the marketplace, and they know which insurance company is competitive at any point in time to best match price, product and service for you.
  • If a carrier decides to cancel your policy, an independent agent can and will help you find another insurance company they represent.

Independent Agents Are Here to Help You

Joseph W. McCartin Insurance, Inc. is here to help you with all your insurance needs. Customer satisfaction is important to our success. We work with you to find you the best coverage at the most competitive rates. Please feel free to call us with any of questions about your insurance, from home and auto to business and recreational vehicles.