What Are the Benefits of Using a Local Independent Agent to Purchase an Insurance Policy?

Using an independent agent to purchase any insurance policy is a good idea. An independent agent is an individual or a company that works with various insurance companies. Rather than representing just one provider, this agent works with numerous organizations. From the prospective of the customer, this is a very good thing. It provides a wide range of benefits to you.

Comparative Quotes Are Easy

The key benefit of working with this type of agent when you need to purchase a policy is that he or she works for you, not for the insurance company. This means he or she will help you to get quotes from numerous companies so you can easily compare them. You can get a quote from three, four, or even more national and local insurance companies all within the same amount of time. Even better, you do not have to deal with pushy sales agents. Your independent agent handles that for you.

Policy Right for You

The benefits of using an independent agent to buy insurance also include the fact that you can get all types of insurance you need at one time. This may include:

  • Homeowner’s insurance policies including add-ons
  • Auto insurance policies
  • Business property insurance
  • Recreational vehicle insurance
  • Business liability insurance
  • Renter’s insurance

If there is any other type of insurance that you need, your independent agent will help you to find it. Then, the agent will work with you to find discounts you may qualify for including bundle discounts. This means you end up paying far less for the coverage you need.

Why Local Matters Too

Hiring a local independent agent is even better. This allows you the ability to have someone on your side all the time. If you need to file a claim, you know whom to call. You can expect your agent to arrive at your home quickly. You know his or her first name and feel comfortable discussing your situation. Instead of working with a big name company, you get individualized attention.

Instead of working with the no-name person on the phone or the company website for a non-local provider, work with your local independent agent. He or she will ensure you get the best policy for you no matter which company you want to work with to get insurance protection. You can purchase with the confidence you need.

How to Compare California Auto Insurance

Check for Different Auto Insurance CompaniesComparing California auto insurance companies to determine which one is best suited to your needs requires a little bit of time and research. Each insurance company has their own methods for determining the premiums they charge. They may assess risk differently based upon a driver’s profile and then charge a premium that reflects that given risk.

When shopping for California car insurance, it is important to get several different quotes in order to get a good idea of the approximate range that insurance companies will charge to insure you and your car. Insurance companies look at many factors, such as the age of the driver, sex of the driver, type of vehicle, number of miles driven each year and the driving record. Some companies might penalize young male drivers under 25 or they might charge extra high premiums for a poor driving record. Other California auto insurance companies may be a little more lenient and forgive a minor traffic infraction or not look harshly on where you may happen to live.

While shopping for California auto insurance, you should also investigate potential insurance companies for how well they handle claims. If you should happen to have an accident or need to file a claim, you will want a company that handles claims quickly and fairly.

If you do not particularly enjoy doing all the necessary legwork of comparing California auto insurance companies, you might do well to visit an Independent Insurance broker that represents a number of different California auto insurance companies. While they do have an interest in each company they represent, most legitimate Independent Insurance agents will get you the best deal possible and not oversell you with a policy you do not need. They are much more interested in keeping you as a loyal customer than gouging you once only to have you go elsewhere next year.