When you're in the market for insurance coverage, you typically have three options: head online and purchase coverage from a website, deal with a "captive" agency that only represents a single insurer, or buy coverage from an independent insurance agent. Below are a few reasons why you should work with an independent agent and how it can benefit you.

3 Reasons to Choose an Independent Insurance Agent

1. Cost Savings

Not all insurance providers charge the same for similar coverage. Because an independent agent has access to a broad network of insurance companies—instead of being tied to a single insurer—they can search for the best price. This could save you hundreds of dollars per year in premium costs.

2. More Options & Personalized Coverage

An independent insurance agent has access to a wider selection of coverage types. This lets you shop for all your insurance needs—home, life, auto, business—at once. The insurance agent can also better personalize your coverage. 

3. Invaluable Advice

When you buy insurance online, you fill out a form, click a few boxes, and input your personal information. You have no access to advice or guidance. The seller may be located out-of-state and have only cursory knowledge of local circumstances, laws, regulations, traffic, crime, and business practices. A local independent insurance agent understands the conditions of the area and can offer expert advice. They're also easily accessible by phone or in person if you need to file a claim or update the policy.

The right independent insurance agent is an invaluable resource who offers expert guidance and connects you with a wide variety of specialized products. To discuss your insurance coverage options in Lovington, NM, contact Reid Insurance Group. They've been in business for nearly 70 years in the Lea County community. For more information about their services, visit the website. Call (575) 396-3645 to set up an appointment with one of their agents today.