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Insurance can seem like an unnecessary monthly cost, but when disaster strikes your home, vehicle, or business, it’s a relief to have it. However, using the right insurance agency can make a huge difference when it’s time to file a claim or alter your coverage. While you may think that a larger insurance agency can offer the best policies, a local agent might be better suited for your personal needs. Below are three of the top benefits of going with a local insurance firm.

Why It’s Advantageous to Have a Local Insurance Agent

1. Accessible Customer Service

A larger insurance agency that operates through a call center doesn’t usually have a local, physical location you can visit. If you need to change your coverage or if you have questions about billing, you’ll likely have to call a general number that siphons you through various departments and takes up time. Instead, with a local insurance agency, you can visit the location and meet with your agent in person. You can also reach them directly on the phone, decreasing your stress and saving you time.

2. Personalized Policies That Save Money

Because local insurance agents have local customers, they are much more familiar with your policies and needs. Whether you require homeowners, car, or life insurance, they know the area and can suggest the best coverage. They can also bundle your policies to offer maximum savings. They’ll routinely review your coverage to ensure that as your life goes through various stages, you’ll receive the best coverage. A large insurance agency doesn’t always have the ability to provide such personalized policies. 

3. Accurate Record Keeping for Easy Claims Filing

Because a local agency has a smaller, local customer base, they can more easily and accurately keep records. Your assets, questions, and claims history will all be tracked. This makes filing a claim easier since they already know your policy and can access your records quickly. Submitting a claim after a car accident or property destruction can be stressful, and this perk of a local insurance agency makes the process more seamless.

 

Whether you need to start a new insurance policy or want to transfer your current one to a local agency, Mutual Underwriters in Honolulu, HI, can help. From homeowners and auto insurance to business and life insurance, their team has 60 years of experience providing the most comprehensive coverage at budget-friendly rates. In addition to their Honolulu location, they also have agencies in Waipahu, Maui, Kona and Hilo, so peace of mind is never far. Their goal is to find their customers the best coverage and to make the claims process straightforward. Give them a call at (808) 532-2888 or visit their website to learn more about their full-service agency.

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