When it comes to buying insurance, you have three main options. You can seek the lowest price through an automated online service. You can buy from a "captive" agency, which sells products from only one insurer. Or, you can work with an independent insurance agency—an agency that is free to sell products from many different insurance companies. Alcorn Insurance Agency, the premier auto, home, and business insurance specialists in Chama, NM, offers four important reasons for choosing an independent insurance agency.

4 Key Reasons To Choose An Independent Insurance Agency

Local Expertise

An independent insurance agency in your neighborhood has local expertise. They understand the legal, regulatory, weather, and community situations in a way that lets them reduce your risk and tailor insurance to your needs. Is the area prone to earthquakes, flooding, vandalism, or other risks? A local insurance agent knows the region and can help you design a policy that covers these risks.

Customer Service

An automated service can afford to offer low prices because it offers a minimal level of service. When you call to discuss changing coverage types or to file a claim, it can be difficult and frustrating to find someone to help you. A local independent insurance agent like Alcorn Insurance Agency specializes in top-quality customer service, with representatives standing by to answer questions and help you find solutions.  

One-Stop Shopping

Captive agents often only sell certain types of coverage; they are limited by their association with a single insurer. Independent agents, on the other hand, are free to sell any type of coverage and partner with any type of insurance company they choose. Because of this, you can often cover all your insurance needs through a single independent insurance agency.

Cost Savings

Because they are free to search through the products offered by numerous insurance providers, independent insurance agencies can often find less expensive coverage than can captive agents bound to a single insurer.

The local experts at Alcorn Insurance Agency in Chama, NM, offer affordable coverage, red carpet customer service, and a wide selection of insurance products, including auto, home, RV, boat, and business insurance, to fit your needs and your budget. Visit their website for contact details, or call (575) 756-2197 to speak to a courteous, knowledgeable insurance agent.