How an Independent Insurance Agent Can Help with Personal Insurance Policies

How an Independent Insurance Agent Can Help with Personal Insurance Policies

When you need to obtain personal insurance policies, such as homeowners, auto, boat, or anything else, it’s important to work with an independent insurance agent. They can help you obtain the policies and answer questions that you may have. It is much more effective than trying to do everything on your own, where you are at the mercy of the first insurance company that you call.

Insurance Companies Don’t Tell You Everything

Insurance companies are in the business to make money. They aren’t always looking out for your best interest. As such, they are going to tell you what you want to hear. They are also going to try and sell you more insurance than what you may actually need. What this results in for you is a higher premium and not necessarily the best insurance that will protect you against everything that could happen in Florida.

An independent insurance agent doesn’t work for one specific company. Instead, they have a portfolio of companies. They know about all of the companies in terms of their financial stability, what they have to offer, and how quickly they handle claims. This makes it easier to learn more about the companies. You also have someone you can turn to in order to ask questions about what kind of coverage you need.

Having someone who will make recommendations for you and guide you through the different insurance companies will make life a lot easier for you.

Getting Quotes is Time Consuming

Insurance companies think that they have made it easy for you by creating online quotes. The problem is that the online quotes don’t always encompass all of the coverage options that you may want to add. Additionally, you would have to do this for each and every insurance company you want to get quotes from. It is highly recommended that you get quotes from 3 to 4 companies. Once you fill these out, you could end up getting calls from all three or four of these companies, which can feel like harassment.

By contacting an independent insurance agent, you only have one person contacting you. They will get the quotes on your behalf, and ensure that the quotes are tailored to your needs. This will include all of the coverage that you may want.

Bundling Helps to Save Money

Many insurance companies offer more than one type of insurance or it when you are looking for personal insurance policies, you may be in the need for motorcycle, auto, homeowners, boat, RV, and much more. When you bundle and get multiple policies from one company, it can often save you a lot of money on premiums throughout the year – and agents know this.

Call an independent insurance agent today in order to get help with personal insurance policies. Working with an agent you leave three hours again? Is at no cost to you, and can help you to learn a lot more about your coverage needs.