When it comes to purchasing insurance, the thought can be a bit overwhelming. It’s not like choosing where to eat lunch, or what movie to go see. You are making a decision on how to best protect your family and assets. The safety and well-being of your finances rely on having coverage that is tailored to your own unique, individual needs. That’s where the benefits of using an independent insurance agent come in!
We’re all far too familiar with the overplayed commercials from big name insurance giants. These companies provide great coverage and have been in the industry for a long time, but simply cannot provide the customization that an independent agent can.
So what exactly is an independent insurance agent? Essentially, it is an agent that has access to a range of different insurance companies. Independent agents are able to utilize policies from multiple providers, as opposed to captive agents that only have access to one company. Independent agents shop for products that fit the specific needs of each client, and are not restricted to policies offered by only one company.
Because independent agents are able to shop from more than one provider, they can get you coverage on auto, home, business, umbrella insurance and more! Instead of having to go through agents for all different providers or getting stuck with policies that all fall under one parent insurance company, you can simply get all of your needs covered at once through a single agent.
Independent agents have access to a variety of insurance companies and can select from a wide range of policies. This means the agent has less restrictions when finding the optimal plan to fit your needs. Every client is unique, and sometimes single insurance companies can’t meet their every requirement. So, being able to utilize multiple providers allows for a greater specification of policies.
Oftentimes, independent agents have less of a bias when it comes to providers because they have so many available options. They are not promoting a single company, and will instead compare rates from various providers to get the best price at the right coverage level.
When you get insured through a captive agent at one parent company, you are expected to incur any policy increases that the company implements in a given year. This means that if your coverages go up in price, you are automatically expected to pay them. Oftentimes, people are left unaware of these increases and end up paying more year after year for the same policies.
When you work with an independent agent, however, you are able to benefit from requote services. This means that as your renewal date approaches on your policies, your agent will review all possible options amongst the many carriers they have access to. If there is a more optimized plan for you, the agent will adjust the policy. They work to find the best possible options for the client, which can change over time.
Independent agents truly value the client relationship. Even if you switch providers, your agent can still represent you. The client is the top priority, because independent agents are looking to build lifelong connections with those they represent. They look out for you when selecting policies, finding plans that suit your needs rather than plans that make them the most commission at a given time. A quick dollar is not what is important, but instead the long-term well-being of their represented clients. Independent agents advocate for you above all else.
Customer service is of the utmost importance in the insurance industry. Filing claims can be stressful and time consuming, and having an agent that is willing to handle every step of the process will make it much easier.
Our team here at TFG Home & Auto strives to provide the best insurance services possible for our valued customers. With access to over 25 companies, we are able to tailor the policies of our clients to fit their every need. Call us today at (855) 834-2886 for a complimentary policy review, or click here to fill out our policy review form!
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Meet Alec Toth, the newest member of our team here at TFG Home & Auto! Alec is a Sales Representative, responsible for reviewing home, auto, umbrella, recreational vehicle and landlord policies.
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