Benefits of Working with an Independent Insurance Agent
Many insurance companies and many policy options exist, so it’s important you find the correct coverage to suit your needs. But, buying without expert advice often means that you’ll end up paying more money for less coverage.
Here are just a few reasons why working with an independent agent offers you more.
An independent insurance agent does the legwork for you. You needn’t search for hours looking for the best deals. They understand the insurance industry and which insurers offer specific coverage types. Why waste your time when you can have someone search for you at no additional charge?
Offers More Choices
When you use a single insurance company, you can only choose between the policies they offer. However, an independent insurance agent has access to many companies and options. This makes it possible to personalize your coverage for your specific needs.
Offers Expert, Unbiased Advice
Your independent insurance agent knows the industry, understands policy language and follows recent trends. They simplify the buying process, provide expert advice, and help you minimize your risk. They are also available to answer your questions, clarify grey areas, and follow best practices for optimal coverage.
Forges a Long-Term Relationship
When you work with an independent insurance agent, you forge a long-term relationship. It’s not a matter of just buying a policy and renewing each year. They get to know you and your insurance needs, which often change. They’re there for you when your child starts to drive or heads off to college, when you decide to start a business, and when you buy or sell your home. They don’t recommend generic, broad coverage policies, but policies specifically suited to you and your changing needs.
Your independent insurance agent actively looks for ways to save you money, while providing the best possible coverage. Many insurance discounts exist, but insurance companies don’t always apply them automatically. Since your independent insurance agent knows about your life, they’re also aware of when you qualify for potential discounts.
Participates in the Community
Independent insurance agents work, and often live, in your neighborhood. They understand the needs and concerns of the community and they often participate in local events and charities. The money you spend on your insurance often returns to the community, too.
Maintains Professional Conduct
A good independent insurance agent has a state license and follows a strict code of conduct. The Texas Department of Insurance even allows you to check an agent’s status.
Experience is very important, too. Ask a potential agent about their history and ask for customer referrals.
Assists with Claims
A very strong advantage of working with an independent insurance agent is that they’re on your side if you need to make a claim. Insurance companies don’t want to pay out more than necessary, but your agent can help you through the claims process for a fair settlement. Since they work in the industry, they speak the same language as an insurance adjuster and know the paperwork.
Buying insurance based solely on price doesn’t necessarily mean you’re getting what you need. An independent insurance agent has access to many products and insurers and can often match or beat online premiums, and with superior coverage. Since they offer their services at no additional charge, why not take advantage of their expertise?
At Hahn Insurance Agency, I am ready to help you review your existing coverage or provide you with a quote for new coverage. Contact me today to find out how I can help you protect the life that you’ve worked so hard to build.
Crystal A. Hahn – Owner/Agent
An Independent Advantage
We are Independent Agents in Frisco, Texas, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. Hahn Insurance & Financial Services represents a carefully selected group of financially strong, reputable insurance companies. Therefore, we are able to offer you the best coverage at the most competitive price.
What is an Independent Insurance Agent?
When you decide to buy a car, you wouldn't purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn't have a choice!
The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family's financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, you wouldn't have a choice. The only solution would be going to that one company.
With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision.
An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible.
When you buy insurance, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, because it's up to you to make the final choice.