They may also automatically renew without considering whether they’re getting the best coverage for the price and whether the insurance they’re paying for actually meets their needs.
Unfortunately, this isn’t usually the most cost-effective or efficient way to buy insurance. Here are a few reasons why you should have all your insurance policies with a single insurance agency.
Deal with One Company
Dealing with a single company simplifies buying and paying for insurance. You interact with one company and deal with far less paperwork. You also have a single point of contact should you ever need to file a claim or change your insurance.
In addition, an independent insurance agency like ours will get to know you and understands your needs. We’ll be able to recommend the best possible coverage, whatever your situation. After all, things change so your insurance should too.
Rely on Insurance Experts
If you’re a savvy consumer, you probably scour the internet for the best possible insurance price. However, insurance agents have access to more products and many are never on the internet.
We’re also insurance experts so when we run policy comparisons we can compare apples to apples, not apples to oranges. We understand policy language and can spot potential problem areas, even when a policy may initially seem like a great deal.
Bundling Provides Discounts
Big insurance companies know that it costs money to administer insurance policies. When customers change insurers every six months it is pricier than when they deal with long-term clients.
As a result, these companies are very willing to offer discounts to consumers that buy more than one type of insurance from them. These customers are more likely to stick with their company for years and it helps them reduce administrative costs and better project expenses.
Bundling policies leads to a multi-line discount. You’ll pay less than buying separate policies, even if you’re a frugal shopper. Carriers may offer a discount if you bundle two or more policies together.
As an example, you could bundle any two or more of the following: homeowners insurance, renters insurance, auto insurance, life insurance, RV insurance, motorcycle insurance, watercraft insurance, and multiple vehicles to enjoy a multi-line discount.
Each carrier’s requirements vary, but your insurance agency will find which offers the most advantage for your particular situation.
Independent Insurance Agencies Offer Flexibility
Sometimes clients have unique needs and a single carrier can’t provide the best coverage and rates. Luckily, you can still use a single agency to handle your insurance needs.
An independent insurance agency works for you, not the insurance carriers. We do the legwork to find you the best possible coverage at the most reasonable rates.
Even if you need multiple insurance carriers, you’ll still deal with a single point of contact for simplified buying, billing, payments and claims. It doesn’t make sense to ignore the convenience, cost savings and insurance expertise an insurance agency offers. Let us streamline your insurance and tailor coverage to your needs.