In a previous article, we talked about the three different ways to buy insurance : Buying direct from an insurance company such as GEICO, through a captive agent such as State Farm or American Family, or through an independent insurance agency such as Imes Insurance Associates. We chose to be an independent insurance agency for many reasons, here are five reasons that should matter to you:
#1 – Comprehensive Coverage Types and Options
Independent insurance agencies are licensed professionals who are able to provide all kinds of insurance policies. For the most part, regardless of your personal or business situation may be, whatever type of insurance you may need, you can likely find coverage through an independent agent. That includes everything from auto and home insurance to life and health insurance to business and workers compensation insurance.
#2 – Understanding the Needs of Mesa Residents and Businesses
Whether you’re in Scottsdale, Gilbert, Mesa, or Tempe, you can likely find an independent insurance agent not too far from your home or business. Not only is it nice to have a local representative for convenience sake, it’s also comforting to know that your agent is aware of the coverage required for each unique situation, from what kind of insurance you need to carry on your vehicle to how you much insurance you need for your business. As an added bonus, because they’re local, buying through an independent insurance agency means you’re supporting a local small business and your community’s local economy.
#3 – A Range of Insurance Choices
Because independent insurance agencies represent multiple insurance companies, they can offer you more options (and price points) than a captive agent. Think of them as an insurance “broker,” who has relationships with multiple companies, but is beholden to no specific individual provider. Instead, they represent you, their client, and are always looking out for your best interests.
#4 – Personalized Customer Service
When you work with an independent insurance agency, you are likely to have a much closer relationship with your agent. A good agent will take the time to learn about your lifestyle, your business, and truly understand your insurance needs. They can provide advice for when you have life changes that require adjustments to your insurance, such as when you get married (or divorced), grow older, begin to have a family, or buy a new home. Should you ever have to file a claim, you don’t have to handle it on your own, a good agent will be there to provide guidance and representation when needed.
Works for Your Benefit
Most important that all else, unlike a captive agent, an independent agent doesn’t work for any specific insurance company. On the contrary, they work for you, to make sure you have the proper insurance coverage for your specific needs and budget. They can help you discover what unique liabilities you may have an exposure to, and how much coverage you should carry as a result of that potential threat.
We’re not typically the type that likes to toot their own horn, but as you can clearly see, there are some considerable benefits to working with an independent insurance agent such as Imes Insurance Associates. If you’re still not sure of the right choice, go ahead and shop around to see what’s out there. Then when you’re ready, contact a local independent insurance agent. We’re quite confident you’ll enjoy the experience and service you receive from any of our representatives.