You don’t have to go far to get a car insurance quote. Insurance companies and agencies are making it easier than ever to shop for car insurance from the comfort of your home. However, if you’re looking for the best car insurance rates, the decision to buy direct or purchase a policy through a local independent agent is a personal one that can have distinct ramifications on the type of coverage and service you receive. Whether you are searching for the best car insurance rates or hoping to find personalized coverage that addresses your unique risks, continue reading to find out why shopping local could be the most efficient way of finding the car insurance that is right for you.
When you call your insurance company, do you speak with someone who knows you and has met you in person? Chances are, you talk to someone different every time – and likely someone who lives in a completely different city and state than you do. When you call your local agent, you reach someone who knows you by name, and who might even know your kids’ names, too.
You can expect an agent who:
- Is well-acquainted with your city and state, as well as the laws therein
- Knows the types of insurance options available in your community
- Is familiar with the types of claims most common in your area
- Identifies your potential risks
- Explains the purpose and types of coverage available to you
- Can identify discounts from various insurers that may benefit you financially
- Continues to serve you long after you have purchased a policy
- Keeps up with your changing needs by offering you additional coverage as it becomes necessary
Independent Agents vs. Captive Agents: What’s the Difference?
Keep in mind that not all local agents can provide you with the same benefits as an independent agent can. There are two types of insurance agents – those who work for an insurer and those who work for their customers. Knowing where your agent’s allegiance lies in the first step in determining whether you want to form a professional relationship or move on to someone who can provide you with more choices to fit your needs. Captive agents are those who work for one company only and will only quote you on policies sold by that carrier. Examples include American Family, State Farm, and Farmers Insurance. An independent agent is autonomous. Instead of pushing you toward one company in particular, the independent insurer can provide comparable policies from multiple carriers, which makes it easier to find the best car insurance rates on the coverage you need.
Frydach Insurance is an independent agency in Germantown, Wisconsin. We know that the options and guidance we provide have the potential to save a driver from financial catastrophe. We love our community and appreciate the people we have the honor of serving. That is why we only offer coverage that our customers’ best interests in mind. If you live in the greater Germantown area, we would appreciate the opportunity to serve you. Contact our office to find out more about the benefits of shopping for insurance with an independent agent in your own community.