Independent insurance agencies come in all sizes, from offices with one agent to large agencies with several branches. Selecting an independent agency over a single company one will provide great coverage at the lowest premiums. The ability to search all carriers for different plans and pricing, rather than just one carrier, makes it easier to find coverage that is affordable for every budget. It is also easier to create insurance packages that are personalized to suit specific needs.
One individual, for example, may need auto insurance and renters insurance. Getting coverage from one carrier may be less expensive if there is a multiple policy discounts, but that may not always be the case. The next individual may need insurance coverage for a boat, a motorcycle, and a small business. Independent agencies have more flexibility to suit unique needs, specific budget constraints, and provide more customized coverage plans. A small independent agency can do that well, but there are a few benefits to finding a larger Insurance Agency.
The first advantage is different areas of expertise. One agent may have extensive experience in business insurance while someone else may be well versed in group health insurance plans. Working together as a team, or even having someone in the office to answer questions, will make every agent more responsive to their clients. Pulling from the knowledge and backgrounds of several agents, makes all of them stronger.
Another advantage is efficiency. A larger agency will have more support staff to answer phones, research options, complete paperwork to process claims, get estimates approved, and arrange for a rental car, a hotel room, or replacements for belongings. A number of locations also means there will most likely be an office close when clients are traveling, or when at work if they work in a different town than where they live.
More services can also be an advantage to utilizing a larger agency. In addition to answering questions, processing claims, and adding new coverage as life and circumstances change, larger agencies can also offer consulting services, and present risk management solutions for businesses and other commercial clients. Customers can go to Domain for full details on locations, services, and events.
