Have you ever heard the saying it is good to know a doctor, a lawyer, a car mechanic and a plumber? There are so many times in our life that these professions come in handy and knowing someone on the inside can save you money and provide you with valuable help and knowledge. With that said, it may be time to add independent insurance agent to this list.
Why?
Insurance can be expensive, difficult to understand and you may not always know if you have the right coverage, enough coverage or if you’re getting the best deal. Who better to answer all these questions than an independent insurance agent?
What does the “independent” in independent insurance agent mean?
Independent agents work for you. They can shop around with different insurance carriers to get you the best rates and coverage tailored to your specific needs. Independent agents do not work for the insurance companies so they are not limited to only one company’s policy options.
Often times people are unsure about their insurance needs and don’t know where to begin. Whether you are new to the market or experiencing a life change like welcoming a new child or starting a business, understanding exactly what you need to protect yourself and your loved ones can be daunting. Independent agents can take the time to sit with you and look at all aspects of your life to determine what coverage you need, making sure you’re adequately protected and not overpaying or having more coverage than you actually need.
Independent agents stay with you for the long haul. So as your needs change they can help you reevaluate your coverage and shop around for new policies. They will get to know YOU and YOUR needs so that your coverage is uniquely designed and not a once size fits all approach.
What else does an independent agent offer?
Independent agents are not only in your corner when it is time to write or renew a policy. When tragedy strikes and you need to file a claim, your agent can walk you through the process and help you with any questions along the way. Often your agent can work with the insurance company on your behalf, limiting the time and energy you need to expend on the claims process. This is especially helpful when you are trying to recover from whatever incident occurred like a car accident or house fire. Often times the last thing you want to deal with in the aftermath of such an ordeal is the claims process with your insurance company.
So the advice for the day; befriend an independent insurance agent.
If you would like to speak with a Brooks, Todd & McNeil agent, our friendly staff will be happy to assist you.