When you're in the market for homeowners insurance, car insurance, or other types of personal or business coverage, you have a few buying options. For instance, you can buy online, visit a captive agency that represents only a single insurer, or consult an independent agent that represents multiple providers. While the first two options work, working with an independent agency gives you more flexibility and options. Below are a few more reasons to work with an independent agent to create a unique policy that fits your needs.
4 Reasons to Choose an Independent Agency When Buying Insurance
1. The Best Price
Because they work with a large network of providers instead of only a single insurance company, an independent agent can search through auto, life, business, and homeowners insurance policy options to find you the best price. This could save you hundreds of dollars per year in premium costs.
2. The Best Coverage
Similarly, because they are not locked into a single insurer, an independent agency can often find you better coverage for a comparable price. They can prioritize features that matter to you to create coverage that suits your needs. For example, if you want roadside assistance for your family, they can help you find a policy that includes it. However, if you would prefer to upgrade your homeowners insurance to cover flood damage, an independent agent can help you with that, too.
3. Personalized Guidance
When you work with an online service for your insurance needs, their service is often limited to asking you to check some boxes, input details about your property, and other information about your demographics. At an independent insurance agency, their agents are happy to meet you face-to-face to provide personalized guidance based on your needs.
5. One-Stop Shopping
Some insurance companies only represent certain lines of insurance, so their agents are limited in the types they can sell. An independent agent typically works with providers who sell all types of coverage, so you can get everything you need from the same agency. This also lets them grow with you as your needs change over time.
You benefit in several ways by working with an independent agency to design homeowners insurance, auto coverage, or any other policies. As one of the most respected independent sellers of high-risk insurance in Fairfield, OH, 1st Choice Insurance can help you find the right coverage at the right price. Visit their website to request a car insurance quote, or call (513) 860-0666 to discuss your options with a licensed professional.