Is it better to buy insurance through a carrier or an independent agent?

November 19, 2013

It may seem like going directly to the source would be the best option. But, in reality, you can usually get a better deal on insurance by working with an independent agent.

Here are a few reasons why you’re better off working with an independent agent:

More options — Independent agents represent several insurance carriers, which means they can give you more options than a captive agent or a direct underwriter. Having more options assures you’re purchasing the best insurance products for you.

Expert guidance — Of course, more options can sometimes make choosing an insurance product even harder. An independent agent will also help you review your options and choose a policy that makes sense for you.

Better value — Having access to several insurance carriers also allows an independent agent to give you accurate quote comparisons. Knowing how much multiple insurance providers charge for premiums helps you select the best value available.

Personal service — Independent agents are real members of the local community who work for you, not insurance companies. It’s in their best interest to find insurance coverage that’s in your best interest.

Convenience — Shopping around for insurance is the best way to ensure you’re getting a great value. But it is also very time consuming. Independent agents do the legwork for you and then help you select the best options. They’re like your personal shopper for insurance.

An independent agent is definitely the best option in most cases. Just make sure the agent you work with has experience.

Burkhart Insurance Agency has over 35 years experience helping people in Ohio, Kentucky, and Indiana find the right insurance policies for them. Request a free quote or call us at 877-441-6106, and we’ll help you find the insurance you need.

Our Featured Insurance Partners