3 Reasons to Use an Independent Insurance Agent

Courtesy of MIM Insurance Solutions

We get it—choosing an insurance carrier for your home, automobile, or life policy can be daunting. Some customers select carriers that their families use, others go shopping for deals online or based on advertisements that point them to large insurance carriers. But have you ever considered using a local, independent agent?
The history of insurance agents runs deep in the U.S. Traditionally, insurance companies did not sell products directly to consumers but instead used agents to move products to the public. But as times changed, so did the notions of how independent insurance agents can benefit policyholders.
Local, or independent, agents can provide can be extremely beneficial to individuals looking for a responsive and knowledgeable insurance providers.
Before you start agent shopping, it’s crucial to understand the differences between agents. There are three types of insurance agents, according to DMV.org:
• Captive agents sell insurance for a single insurance provider. Because a captive agent is appointed by only one company, he should know the ins and outs of the company and ways to save money.

• Independent insurance agents sell policies for multiple companies. An independent agent can help you compare rates and coverage from many different insurers.

• Insurance brokers are independent agents who sells insurance but not on behalf of an insurer. Brokers represent customers, not companies and may charge the customer a fee for their service.
Now that you know the different types of agents and brokers, here of our top reasons why you should use a local or independent agent.
1. Local Agents Understand the Local Market
Did you know where you live, the roads and highways you take to work could impact your car insurance rates? Local agents know the community you live in, arguable better than customer service representatives from large carriers, and are able to use that knowledge to get customers the best policy at the best price.

2. One-Stop-Shopping
We’ve already talked about the importance of a multi-policy discount. But did you know local agents are the ultimate one-stop-shop for all things insurance? Local agents are value hunters that get to know you as a person, carefully selecting which products and policies work best for you and your budget—no matter if it’s for home, life, or car insurance. Local agents have access to dozens of insurance products from various insurance carriers.

3. Better Customer Service
When dealing with an independent agent, you’re treated like a person and not a number. Local agents have a greater investment in their community, customer satisfaction and are able to offer a more personalized experience. Independent agents are the ultimate customer advocates that are able to translate dense language that makes up an insurance contract and communicate it to you in ways you understand.
Remember to always compare rates when searching for insurance to see which is right for you. To learn more about MIM Insurance Solution’s rates, be sure to request a quote or give us 703-944-1019 or 844-872-3391. Visit www.miminsurancesolutions.com.