People in the market for home, renters, or auto insurance normally have a choice between purchasing coverage over the internet or with the help of an agent or broker. Although it may seem convenient to buy online, there are many unique advantages to working with an agency. Here's a closer look at why you should utilize the services of an insurance broker.

Why Should You Get Insurance Through an Independent Agency?

1. Save Money

When you buy directly from the insurance carrier online, you may think you're saving money by skipping the middleman. However, an independent broker deals with numerous carriers, giving them flexibility in coverage and pricing and letting them look for the lowest price available for the coverage you want. It also makes financial sense to work with a broker who specializes in home, life, health, and auto insurance when shopping since they have an understanding of discounts and how to bundle policies to make the coverage more affordable. 

2. Get Unbiased Advice

Unlike agents who work with only a single provider, an independent broker doesn't have a financial interest in placing you with a particular insurer. As such, they can provide impartial guidance to help you choose the best fit for your needs. 

An experienced agent also understands the ins and outs of their industry and, by asking questions about your goals and desires, works with you to maximize your satisfaction. They can also recommend coverage you might not have considered and provide advice on raising or lowering your deductible to ensure you're adequately covered.

3. Enjoy More Convenience

The right insurance broker provides exceptional customer care. Not only do they advise you when designing a new policy, but they are also there to help when you need to change your address, renew or update an existing policy, or file a home or auto insurance claim. 

They should be easily accessible by phone and are often just a short drive away. You can often meet them in person if you have questions, want a new copy of your proof of insurance, or otherwise need assistance. This interaction is much more personal and convenient than dealing with someone in a call center in another state.