Shopping for insurance can be a complicated and confusing task with so many options, and many find it’s a good idea to have an experienced insurance agent guide them through the process. When vetting out potential candidates, you’ll have the choice between a captive agent, who represents one specific insurer, or an independent agent, who offers products from multiple companies. While both may be able to get you the coverage you need, an independent agent brings additional value to the table. Here are a few of the top benefits they provide.

Why You Should Choose an Independent Insurance Agent 

1. Unbiased Advice 

Captive agents are loyal to the insurance company they represent, whereas independent agents have a vested interest in the consumer. When working with the latter, you can count on them to give you unbiased advice about your coverage options and policy limits. They’ll be committed to making sure your assets and family are properly protected and can also help uncover discounts that save you money on premiums. 

2. More Product Choices & Competitive Pricing

One of the biggest advantages of working with an independent insurance agent is the broad selection of choices they offer. They can get you quotes from several different insurance companies, which ensures you’re getting coverage tailored to your unique needs as well as the most competitive prices available. Since rates can vary significantly from one insurer to the next, they will carefully compare policies to find you the best deal.  

3. Assistance With Claims 

The insurance industry is complex and full of technical jargon the average person isn’t familiar with. This can make it challenging to understand the claims process. In the event you ever have to file a claim, an independent agent will take the time to help clarify the steps you need to take to receive a fair settlement. They can speak to your insurer on your behalf and assist with all the necessary paperwork as well. This is especially helpful and stress-reducing when multiple coverages are affected—your agent knows your policies and how to make sure everything goes as smoothly as possible.

When considering which insurance agent to work with, remember it’s important to select someone who not only provides the type of coverage you’re seeking but will also keep your best interests in mind. This is why numerous residents throughout Baldwin County, AL, have entrusted Ebert Agency with all their insurance needs. Having served the community since 1928, the independent agency has garnered a solid reputation for offering quality products, affordable rates, and unparalleled customer relations. They’ve partnered with some of the industry’s most reputable companies to give clients a wide variety of options. Call (251) 943-2281 to request a quote or visit them online for more information about their long-standing history.