When it comes to buying insurance, there are so many choices, and so many things to think about. On television, Flo tells us to bundle home and auto. The AFLAC goose talks about supplemental insurance, and Peyton Manning and Brad Paisley tell you that Nationwide is on your side. But how and where can you find unbiased advice on which company will give you the best policy for your dollar? And how do you know exactly how much coverage you need?
This is where an independent insurance agent come in. There are a number of valuable benefits to working with an independent agency, versus relying on provider websites or telephone operators. Here are a few:
Choice. Independent agents typically represent between 5 and 10 different insurance companies that offer a wide variety of coverage options and price points. With their knowledge of the market and the various offerings, they will be able to help you determine the best plans available to meet your needs—and your budget.
Expertise – As licensed experts, Independent agents can help simplify the complexities of insurance to put it in terms that make sense to you. They make a career out of assessing their customers’ insurance needs and making sure that they have the proper protection for their car, home or boat—so that if catastrophe strikes, you are not left in financial distress.
Advocacy— Throughout the policy purchase process and beyond, independent agents will work as your personal consultants. This means that if you have a billing or claim concerns, or need to change your coverage, your agent can work with the company on your behalf.
One-stop Shopping – When you choose to work with an independent agency, you can typically get all your insurance needs met in one place—auto, homeowners, transportation, commercial, life and recreation.
Location – In most cases you can find an independent agency in the community where you live or work. This means they will understand the benefits and challenges of living in your locale. What’s more, they are often highly involved in the community whether it be through sponsoring community teams or organizations, engaging in civic activity or networking with other local businesses.
Lifetime Support – Independent agents will periodically review your coverage. They are there to help you through all the changes in your life, whether you’re going from renting an apartment to buying a home, starting a business, getting married, renovating your home, adding a teen driver to your auto policy, or looking to cover that retirement condo.
To speak with an independent agent in Northborough about your insurance needs, contact Northwood Insurance at 508-393-2455.