7 Reasons Why Using Independent Insurance Agents For Personal Insurance Quote

Insurance companies are widely known for their ability to flood the media with advertisements about the insurance they offer. These insurance companies have been in the industry for a long time, making them a reliable choice. However, that doesn't mean it's the best option for your personal insurance needs. Independent insurance brokers can also provide reliable services. Additionally, they often offer far more services than any single company. Here are 7 benefits of hiring an independent insurance agent for your personal insurance needs:

1. More Options
Independent agents work with a variety of insurance companies to get you the best insurance at the lowest price. Independent insurance brokers have access to many markets to get you the insurance you need. This access to choice means lower rates, less restrictive policies, and better coverage. Independent insurance agents often offer options to fill potential gaps in coverage through insurance that works alongside your existing policy.

2. Save money
Because independent insurance agents aren't tied to a particular company, they can shop around for different insurance companies to get the best rates. Independent agencies have no brand preferences. That is, you have the opportunity to compare different prices for the same insurance. This comparison can often lead to significant savings. These savings can be further enhanced by discounts on multiple policies and the ability to purchase policies in combination to provide complete coverage.

3. Client Advocate
Insurance agencies that work with businesses are often subject to strict requirements. Instead of a single company, independent insurance agencies work for customers. This is a big advantage when filing an insurance claim. Insurance claims are complicated, and policyholders can easily get lost in the process and the terminology involved. Independent insurance brokers are trained professionals acting on your behalf, increasing the likelihood that you will receive the compensation you deserve.

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4. Unbiased advice
Insurance agencies that work with corporations have a narrow view of the industry. Independent brokers, on the other hand, work with dozens of companies that offer different types of insurance. Additionally, independent insurance brokers work closely with their clients and can provide advice related to other clients' past positive or negative experiences. Independent insurance brokers are not endorsed by any particular company, so they can help you find the best price without having to choose a particular company. This freedom also allows independent insurance agents to find plans that better suit their customers' needs.

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5. They get to know you.
An independent agent is someone in your community who can take care of your insurance needs throughout your life. This local knowledge has many benefits. A local agent will be able to get to know you as a person and see what changes you experience over time. They often offer advice and find out which companies have provided satisfactory service in the past. Additionally, local insurance agents have knowledge of the specific risks in the area. With this knowledge, you can avoid coverage gaps.

If you need to file an insurance claim or have questions about insurance coverage, we have local agents in your area who can quickly address your issue. This personalized service will help you avoid the frustration of long waits on the phone to speak to a representative in another state who doesn't even know your name. By working with an independent insurance broker you know, you can keep your insurance up to date and purchase new coverage if needed.

6. One-stop shopping
You often need different types of insurance to meet your lifestyle needs. An independent insurance broker can provide easy one-stop shopping for all your needs. Independent insurance brokers typically offer a variety of insurance types, including home insurance, auto insurance, commercial insurance, personal goods insurance, and umbrella insurance. We may also offer insurance to cover specific concerns, such as pet, classic car, or special event insurance.

Instead of visiting different agencies and comparing prices and services, talk to your agent about your insurance needs and wait for them to present you with the best option. Without industry experience, online shopping can be time-consuming and lead to frustrating results. Working with an independent agent can save you time and give you more options than you would find on your own. Instead of filling out numerous forms yourself, you can get instant quotes from multiple companies, make the best choice quickly, and get on with your life.

7. Licensed and Experienced
Independent brokers are licensed and have the experience to explain the terms and conditions of your insurance in simple, easy-to-understand language. Insurance agents are full of complicated procedures, exclusions, and jargon. Most policyholders are not experts, so it can be difficult to understand what coverage they are getting and what they actually need. Unfortunately, this usually leads customers to go in one extreme or the other. Some choose to only buy enough insurance to comply with local laws and end up underinsured. Others end up paying high monthly premiums for insurance they never use.

Understanding your insurance policy can be difficult, but it doesn't have to be a hassle. At Lopriole Insurance Agency, we believe in insurance that fits your lifestyle. Our independent agents work closely with our customers to build long-term relationships and provide the best insurance coverage to suit your needs, no matter your lifestyle. If you are a Massachusetts resident looking for personal insurance, contact us today. Our experienced agents will be happy to answer your questions, discuss available policies, and provide you with a quote right away. Get personalized service and peace of mind from an independent insurance broker that really works for you.

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