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Why
an Independent Insurance Agent?
Some people think it doesn't really matter where they buy
their insurance. But this misconception could be costing them
money, service and protection. Buying insurance isn't like
buying bread or milk. Insurance is an important safety net
for your family, your home, your car or your business. Don't
treat the purchase lightly!
There
is a difference in where you buy your protection. Many people
don't realize there are three sources for insurance:
1. Captive Agents, who can sell you the insurance products
of only one company.
2. Telephone Representatives, who can offer you the insurance
products of one company, and only on the telephone.
3. Independent Insurance Agents, who represent an average
of eight insurance companies, and research with these firms
to find you the best combination of price, coverage and service.
Here are some important points about purchasing insurance
from an independent insurance agent:
* Unlike other agents, an independent insurance agent
is not tied to one insurance company. You don't need to change
agencies as your insurance and service needs change.
* An independent insurance agent treats you like a person,
not a number. You can develop a personal relationship with
your independent insurance agent. Can you do that with a voice
on the phone? Your independent insurance agent has strong
customer and community ties.
* An independent insurance agent offers one-stop shopping.
Dealing with a direct response company or a captive agent
limits you to the plans available through only one company.
An independent insurance agent offers many plans through many
companies, giving the consumer the potential for the broadest
range of coverage at a competitive price. One call puts you
in touch with someone who can do the comparison shopping for
you.
* An independent insurance agent provides personalized claims
service. When you purchase insurance from a direct response
company or a captive agent, who is going to assist you in
the event of a claim? Your independent insurance agent is
there for you when you need help. You agent can contact the
insurance company and get the claim process rolling, help
you fill out claim forms, advise you on the progress of your
claim and work closely with the insurance company to make
sure you get a prompt and fair settlement of a valid claim.
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