Insurance offers much-needed financial protection against life’s unfortunate accidents—whether that is a car unexpectedly rear-ending you or a tree falling onto your roof during a storm. To get affordable, comprehensive coverage, choose to work with an independent insurance agent—meaning an agent that is not tied to a specific insurance provider. The guide below explains what they offer that other agents can’t.

Why Should You Get an Independent Insurance Agent?

1. More Choice

When you work with a single insurance provider, you are limited to the plans and coverage options that their company has to offer. Independent agents have connections with several different insurance companies, giving you more coverage options to choose from.

Your agent will also do the work of comparing quotes, helping you find affordable rates while saving you hours of asking questions over the phone yourself. You can even mix and match policies from several providers for coverage that best suits your needs.

2. Better Access to Discounts

Independent insurance agents often pride themselves on forming lasting personal relationships with their clients. This doesn’t just result in better service—it also gives you greater access to discounts. Because your agent knows your situation, they can identify discounts you may qualify for that the insurance company hasn’t applied—such as a homeowners insurance discount for installing a security system. 

3. One-Stop Shop

From homeowners insurance to life insurance, there are several different types of policies you might need. If you shop for these policies yourself and end up with different providers, some of your coverage may overlap, resulting in you paying for the same protection twice. In other instances, your coverage might have a gap—such as not including flood insurance. 

Having an independent agent who understands the larger picture will help you to avoid both of these situations. Furthermore, if an event occurs, you’ll only have one number to call to file a claim—even if a storm damaged both your car and your vehicle.

 

For an independent insurance agent who will put your needs first, contact Robert Rung Insurance in Lincoln, NE. Helping area families with everything from auto insurance to home warranty plans, this agency will help you find the best level of coverage for your unique situation. To learn more about their offerings, visit the website. To schedule a consultation, call (402) 483-2279.