Buying car insurance is a very complex issue. You’re not exactly buying a gallon of milk or a pound of meat. Auto insurance is not something that you can just finalize without thinking it through. After all, you are dealing with your second most valuable asset.
When it comes to getting auto insurance, most people go with the leading insurance companies, and that’s fine. However, you will be doing yourself a disservice without knowing about independent insurers.
Today, we’ll talk about independent insurers and discuss the advantages of dealing with them versus an insurance company.
What is an Independent Car Insurer?
Independent insurers or agents don’t represent one single insurance company or provider. Independent agents are, instead, working with numerous insurance companies. This enables them to get many different policy options allowing you to compare various packages and quotes.
Independent insurers are generally working on commission, which means that it’s in their best interest to provide top-notch service and an insurance package that best fits your needs.
The Advantages of Using an Independent Auto Insurer
1. Flexible Coverage Options
One main reason why people opt for independent insurers is the fact that they offer more coverage options. Most insurance companies will only offer you a handful of insurance packages which can be quite limited.
Since independent insurers work for many different companies, they can offer a variety of auto insurance products. As a customer, you are given plenty of options when it comes to your coverage needs. This is especially helpful if you want to get the most out of your insurance dollar.
2. Licensed Experts
Let’s face it, auto insurance is a complex subject and we need all the help we can get. Independent insurers or agents are licensed professionals. They make a living out of assessing their clients’ needs and matching them with coverage that customers can afford.
With their knowledge and expertise, agents explain the ins and outs of coverage options so you can make a well-informed decision. This is your car insurance that we’re talking about, so it’s important to work with an expert to ensure you are properly covered in the event of an accident.
3. Consultants for Life
Your business with independent agents doesn’t end after you have finalized your car insurance – it’s not a one and done transaction. After sealing the deal, the agent becomes your friendly insurance consultant for life.
From time to time, your insurance coverage needs to be reviewed, and your agent can help you with that. When you are involved in an accident or you’ve bought a new car, you can consult with your independent insurance company if there’s a need to update your policy. Lastly, if there’s any problem or issue with your coverage, they will call the insurance company, not you.
Is an Independent Insurer Right for You?
It’s always good to know that you have other options besides the most well-known insurance companies available. Work with an independent insurance company today and find great coverage that fits your unique needs.