People frequently get the idea that if they purchase insurance online or by phone and buy directly from the insurance company they will save a ton of money.

This thinking is simply wrong. Independent insurance agencies are not paid by the buyer, they are paid by the insurance company. But there are many things an independent agent can do that you, acting as your own insurance agent, can’t.

Advantages of An Independent Insurance Agent

An independent insurance agent is, in essence, your employee. He or she works for you to obtain the best coverage with reputable companies at the best possible cost.

Coverage Comparisons

An independent insurance agent has access to many highly regarded companies that you may not find online and never contact.

For you to compare insurance quotes from online or telephone calls will cause you to spend too many hours comparing policy features. What looks like a great deal may be terrible as it might be omitting something you should have. An independent agent takes the time to talk with you and understand your needs. When he presents policies for you to compare you can be comfortable knowing that the coverage the agent is quoting you on is the coverage you need. Not more or less – exactly what you need.

Discounts

Do you know all the discounts that you are entitled to?  Online suggests you bundle your policies for discounts on both auto and homeowners or renters insurance – is it a good deal? Don’t struggle trying to answer these questions. An insurance agent can guide you to the best coverage for the least cost and find discounts you might never know existed. Unlike a computer program or phone salesperson, an agent’s interest is you and not simply making a sale.

Claims Help

Just try to get your computer to help you with an insurance claim, good luck. If you have an insurance agent, she or he will be your point person with the insurance company and advocate for your claim being settled quickly and fairly. No waiting on hold or being transferred five times. One call and you have the help you need.

Next time you are going over your Oklahoma City insurance needs call an independent agent. The agent will review the coverage you have and suggest the coverage you need while explaining it all to you.