Many people assume that an insurance agent is a more expensive than going directly to an insurance provider.
At first glance, this might make sense. Independent insurance agents are the middleman between yourself and the insurance company. This would mean you must be paying a premium for their service, right? Many customers conclude that they can shop for their own policy online, and save money by purchasing directly from an insurance company.
However, the truth is that an independent insurance agent can ensure you have the best coverage, at the lowest cost, and provide a real value to you and your family.
To better understand this, let’s have a look at some common misconceptions when considering an independent insurance agency.
Common Misconceptions About Using an Independent Insurance Agent
It costs more to go through an agent than to buy direct.
As mentioned before, many believe independent insurance agents cost more because they are paid on commission for their service. The difference is that when using an independent agent you get free advice and guidance – allowing you to compare the rates of multiple plans and products.
Agents work for you, not an insurance company and does not charge you for the service.
It’s easier/faster going directly to the insurance company.
Your insurance is too important to skip doing your homework. You have two choices you can spend the time and resources comparing quotes yourself through multiple providers or you can speak with a local insurance agent.
An independent insurance agent makes informed and knowledgeable recommendations based on his/her expertise — and you get all that at no extra charge, without having to do all the legwork yourself. By using an independent agent, you don’t have to guess whether you called the right insurance company, or if you get unbiased advice.
That calling an insurance agent means getting an annoying high-pressured sales pitch.
No one likes to be sold, and it’s true that some insurance agents have that reputation, but calling a professional independent insurance agent, especially at Pawson, is the first step.
Take the time to look at the insurance agencies reputation and testimonials to make sure you are being educated and not solicited.
So now that we have these misconceptions cleared up, let’s look at why purchasing insurance through an independent agent is the better choice.
Advantages of Using an Independent Insurance Agent
Choice and Transparency
Because an independent insurance agent has access to multiple carriers they can offer you several different quotes and full transparency on the price of those quotes.
Yes, you do have the luxury of comparison shopping online with websites like Coverhound and The Zebra, but as they discretely disclose on their website, the rates or savings advertised are not necessarily available from all providers or advertisers listed on our site.
With an independent insurance agent, you are guaranteed to receive the exact amount you are quoted for.
Unlike a captive agent, an agent that works for an insurance provider, independent agents work to advocate for people. Independent insurance agents work with many different insurance companies, but they work for you!
Independent insurance agents are not limited to only plans and policies by one company. If your lifestyle or insurance needs change, they will quite simply say that State Farm or Nationwide is not the best option for you, and they will recommend another company. If your insurance company drops you because your roof is too old, they can find a different company before you’re even aware that there’s a problem.
Simply put, we’re looking out for your interests, not the insurance company.
Lifetime expert advice
Independent insurance agents live, think, and breathe insurance, so they are able to explain any complicated policies or rate changes in a way you can trust and understand. They have experience dealing with many different insurance companies over many years, so they are used to how each one works.
If you’re having issues contacting the insurance company to make a claim, you can speak to your independent insurance agent for advice. Not to mention, this support is there for you throughout the lifetime of your policy. If any questions or concerns are to arise, you have a specific specialist assigned to your account that can assist you.
Now that you know the advantages of using an independent insurance agent and how it can save you serious time and money, this is the time to consider changing the way you handle your insurance.
To get started, simply fill out the form in the link below. From there, we’ll be able to fine-tune your policy quotes, ensuring that you’re not needlessly paying for something you don’t need, or missing out on something you do. We’ll do the comparison shopping and deliver multiple quotes for you to choose from. We’re here to help and look forward to working for you!
Digital Marketing Director