4 Simple Reasons to Choose an Independent Insurance Agent

Tuesday, Oct 13

There are many insurance agencies out there to choose from, but have you considered working with an independent insurance agency vs. direct? What’s the difference? Let’s compare it to going shoe shopping. You may choose to shop at name brand stores like Nike and Vera Wang because you know their products and they are well known in the shoe industry. But, if you are not sure if their shoes will match your needs and lifestyle, you may want to shop at a store that offers a larger variety of shoes. This would be similar to using an independent insurance agent.

#1) An Independent Agent can shop multiple insurance companies for your best quote.

Working with an independent licensed insurance agent has benefits like shopping rates from multiple companies such as: Progressive, Auto Owners and Nationwide, eliminating the hassle of researching each company autonomously on your own time. A direct agent is limited to one company’s offerings. An Independent Agent knows it’s not just about finding a price you can afford; it’s also about making certain you are appropriately covered so that you don’t end up insurance-poor when you do suffer a loss. Just like when you are trying on shoes, having an expert measure you to get the right fit vs. trying on 20 different pair to find the right size.

#2) Industry Terms can be simplified.

Fortuitous Losses, Proximate Cause, and Morale Hazard are just a few examples of common insurance terms your Independent Agent will help translate, while assisting with the complexities of insurance shopping. Independent Agents work with you, not for the insurance company, allowing you to make smart insurance decisions.

#3) Your agent is your advocate.

If you have a billing or claim concern, or need to change your coverage, your agent can be your advocate, working with the insurance company on your behalf. The client is the agent’s number one priority so they will work swiftly and diligently on your behalf, not beholden to the insurance company.

#4) Independent Agents Live in your community.

Many Independent agents are your neighbors and community members. They are not some website programed to take your money without knowledge and/or understanding of what is going on in your community. Having a real person as your insurance agent, living in the same community, allows your agent to meet with you in their local office, understand your unique insurance needs, and ultimately provide you with the best service and value.

Making the most of your conversation with an independent insurance agent.

The best way to request a quote from an Independent Insurance Agent. When you request a quote, providing the agent with detailed information is important so they can get you an accurate quote and the protection you need. Allow yourself some time to talk to the agent about your lifestyle and any concerns you may have regarding insurance coverages you presently have. Most importantly, if you are reviewing insurance quotes from multiple agencies, confirm the quotes are for the same coverage, limits and deductible. This will make it easier for you to compare and analyze the information provided to you.

Just like finding the right pair of shoes, you deserve an agency that will protect your family and valued possessions working for you. Take a step today and contact your neighborhood agent, Pat Donlin, at Granite Insurance Agency for a complimentary quote.

Ready to Talk to an Independent Insurance Agent?

Pat Donlin

Pat has expertise in providing Property, Casualty, and Life insurance products to customers. Pat grew up in St. Cloud and graduated from St. Cloud State University before he moved to Cold Spring, where he’s lived for 21 years.


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