Are Independent Insurance Agents Worth It?

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February 13, 2021


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  • Getting insured can be a complex process. This is because of the intricacies and paperwork involved. You are taking a step that can potentially make or mar your financial status. Hence, it comes with a lot of options and considerations. Typically, you can buy insurance yourself from various platforms available on the Internet. All it takes is to go through different companies’ websites and forums to weigh your options. After that, you make payment seamlessly.

    The more conventional and older method involves the use of intermediaries to help you get the best coverage. In this instance, all you have to do is make demands, sit back, and let the experts handle the job. These middlemen are known as insurance agents. This article intends to discuss if these agents are worth hiring and other benefits you could get from them. If you wish to know more, get in touch with an expert insurance agent located in San Angelo.

    As a start, insurance agents are of two basic classes. Some work with agencies that represent many firms. These categories are called independent agents. The other class of agents is those that represent only one firm. Hence, they are limited to getting clients to that firm compared to their independent counterparts with more knowledge, resources, and exposure. As such, here are some of the reasons why these agents are worth it.

    1- As we mentioned above, these agents are armed with adequate knowledge of various firms and companies. They know the pros and cons of each of them. Instead of you going through several pitches and quotations or filling several forms, these agents can help you with all that. They know the firms with the best offer in the insurance market. They’re also aware of different loopholes. Hence, they can easily help you find the right coverage per your demands.

    2- These agents are licensed professionals. They will help you understand insurance terminologies that otherwise, you might find difficult. They will also help you make an expert assessment of your demands and match them with the best firm or option available at your budgeted price. Insurance duties also involve filing claims and lots of paperwork. You will most likely need an attorney to ensure your document’s correctness, but you can kill two birds with a Stone by getting the help of an accredited agent.

    3- Insurance agents go beyond professional help and try to help you with all insurance-related needs. At the onset, they will ensure that you get the best deal out there while taking note of your financial status. They will also listen to your grievances and give you regular assurance of financial stability. Overall, they ensure that you don’t end up losing your capital or insured properties as long as they’re employed. Whenever you have to file a claim, you do not have to suffer further emotional trauma as they’re always ready to step in and help you mediate the transaction. If you wish to expand or change your coverage, these middlemen can swoop in and get it done in no time.

    4- Independent agents are also usually from your vicinity. Hence, they’re very accessible and ready to help you as soon as you get in touch. They share your interests as neighbors and are ready to contribute to your success as a whole. If you’re interested in more than property insurance such as life or health, they will help you do that swiftly. These are the void they fill to help you focus on other aspects of your growth.

    5- Your agents will always be there. Beyond insurance needs, they will help you assess your coverage regularly and provide advice and recommendations. They will also help you with inputs or referrals for your other financial obligations such as getting a loan, buying a property, and so on.

    In essence, we hold the opinion that independent agents are worth hiring as the benefits are numerous. Apart from the stress, time, and resources that they save, hiring one will also give the peace of mind that you’re adequately covered. However, we implore that you do adequate research about any agent you come across. Please inquire about the agency they represent, their portfolio, and the official workplace. This is because getting insured is a huge financial obligation as you can be ruined if you fall into the hands of fraudulent predators. Hence, if you’re not buying that insurance yourself, make adequate agent’s findings and personalize your needs.

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