There are so many options when it comes to purchasing insurance, and it can be confusing to navigate all of them. You can go directly through an insurance company, use an online platform, or work with an independent insurance agent. This blog post will focus on the many advantages of choosing to work with an independent insurance agent. If you would like personalized and comprehensive help selecting your insurance coverage for either your business or personal needs, working with an independent insurance agent can be a life saver.
What Is an Independent Insurance Agent?
Independent insurance agents work with multiple insurance companies. They are not employees of a larger insurance conglomerate like Progressive or Nationwide. Because they are independent agents, they are not required to steer their clients to only company-specific products and are able offer more objective assistance that is based solely on their clients’ needs and budgets. Let’s go through some of the more specific benefits of working with an independent agent.
Expertise and Knowledge - One of the most important benefits of working with an independent insurance agent is that they have expertise and knowledge of the insurance industry as a whole. They are well-versed in the many types of insurance, from auto and home to life and even specific business coverage like restaurant insurance. They can help their clients navigate the complexities of insurance policies, helping them make more informed decisions.
Time and Effort - Shopping for insurance is a daunting, time-consuming task, especially when you're trying to compare policies from various providers. Independent insurance agents do the legwork for you. They gather quotes from multiple insurers, analyze the coverage options, and present you with insurance options that you can compare side by side. This approach saves you time, avoids unnecessary confusion, and ensures you don't overlook essential details in the fine print.
Access to Multiple Carriers - Independent agents work with a broad spectrum of insurance companies, giving you access to many more product options. As a result, you're more likely to find policies that offer the right coverage at a more competitive price.
Cost Savings - Many people think that working with an independent insurance agent will cost more than purchasing insurance directly from a specific company. However, independent agents can often find discounts and cost-saving opportunities that you might not discover on your own. Their expertise about the industry can save you money in the long run.
Personalized Service - Independent agents take the time to understand your individual circumstances and needs. They can tailor policies to suit your individual situation, offering coverage that is both effective and affordable. You can trust that their recommendations are motivated by your best interests, not the insurer's profit margins.
Working with an independent insurance agent often leads to the development of trust over time. As your life circumstances change, your agent can adjust your policies accordingly, so your needs are always covered.
Advocacy and Claims Assistance - If you do experience a car accident or an unfortunate circumstance like a windstorm, your independent insurance agent will be your advocate. They can guide you through the claims process effectively, so you’ll receive the compensation you deserve. Their expertise can be particularly helpful in complex claims situations, helping you navigate the paperwork and negotiate with the insurance company to achieve a fair resolution.
Independent Insurance Agents Work for You
Working with an independent insurance agent offers you a wide variety of benefits, from personalized service and expertise to cost savings and advocacy during claims. They make the process of getting the right insurance coverage less stressful and more efficient, and they are an invaluable resource in safeguarding your financial future. If you're in the market for insurance, contact us at Navisure Insurance Group and experience this difference for yourself!
COREY VANDERMEER | PRESIDENT
Corey started his insurance career in the claims department for a national carrier and learned the basics of insurance coverage and how it’s applied. From there he decided to take the jump into sales and joined an independent insurance agency. Here he learned how to build coverage around the needs of each individual and cater to every client. When Corey decided to start an insurance agency he did so with the intention of simplifying the process of getting insured. With a focus on technology and simplicity; his goal was to create an insurance agency that was different from those currently dominating the market place.
When he’s not working, Corey enjoys golfing, fly fishing and spending time with his wife and kids. Together they enjoy traveling to Northern Michigan and to his wife’s hometown of San Francisco.