Let’s face it: nobody looks forward to buying insurance. There are so many options available that researching insurance coverage options can be an extremely overwhelming experience unless you really know your stuff.
What kind of insurance do I need? How much should I purchase? What the heck is a deductible? All these questions and more swirl around in our heads as we feel our way through the confusing world of insurance.
That’s why a lot of people rely on the experience and expertise of an insurance agency to help them find the insurance solutions they need. An insurance agent knows what you need, what you don’t need, and how much you should be paying for insurance coverage based on your personal situation.
The problem is: not all insurance agencies are the same.
There are basically two types of insurance agents—captive and independent. Captive agents, by definition, work exclusively for one insurance carrier and are required to sell insurance for that company. That means, when working with a captive agent, your coverage options will be severely limited.
Plus, captive agents often have to meet strict quotas set by the insurance provider which means they don’t always have the client’s best interests in mind.
On the other hand, an independent agency, like our Cincinnati insurance agency, represents multiple insurance companies and works on behalf of the client, not the insurance carrier. We have the ability to compare price, product, and service amongst carriers and connect you with the best possible combination of insurance solutions.
But that’s not all. An independent insurance agency will also:
- Work with you when you have a claim.
- Act as your insurance consultant, working with you to determine your needs.
- Offer one-stop shopping for a full range of products, including home, renters, auto, business, life, health, and retirement plans.
- Periodically review your coverages to keep up with your changing insurance needs.
- Treat you like a person, not a number.
Buying insurance doesn’t have to be an unpleasant experience. You just need someone on your side that knows their stuff and wants the best for you.
Our Cincinnati insurance agency—Burkhart Agency—would like to help you find the right combination of price, product, and service for your insurance needs. Contact us today to find out what we can do to make that happen.