When it comes to insurance, you have a few different options to find coverage. Many people choose between a few main options: going with an insurance agent who represents one company, buying insurance online directly, or working with an independent insurance agency. While each has its own advantages, there are several clear benefits to working with an independent insurance agency that can make a big difference in both the short and long term.
Access to multiple insurance companies
One of the biggest advantages of working with an independent insurance agency is that they aren’t tied to one company. Unlike an agent who can only sell policies from a single insurer, an independent agent has access to policies from a range of different companies. This means they can shop around on your behalf and find you the best possible coverage for your specific needs. An independent agency allows you to compare quotes from various insurers, giving you more choices and helping you find better value for your money. This competition among insurers often results in better pricing and more comprehensive coverage. And while price shouldn’t be the only factor when choosing insurance, it’s always nice to know that your independent agent is working to find you the best deal possible.
Personalized service
Independent insurance agents are known for their focus on personalized service. They take the time to understand your unique needs and circumstances. Since they aren’t bound to sell policies from one company, they can offer unbiased advice and work to find the coverage that truly fits your situation. In contrast, buying insurance online can be quick, but it’s often a one-size-fits-all approach that may leave you without the specific coverage you need.
Support when you need it most
Filing an insurance claim can be a stressful experience, but with an independent insurance agency, you have someone in your corner. Your agent acts as your advocate throughout the claims process, helping you understand the process, gather necessary documentation, and communicate with the insurance provider. This level of service is something you might not get with a direct online insurer, where you may end up talking to different representatives each time. Independent agents build relationships with their clients and often know the ins-and-outs of your policies, which allows them to step in and ensure you’re being treated fairly.
Local expertise
Many independent insurance agencies are small, local businesses, meaning they are often very familiar with the community they serve. They understand the unique risks and challenges that people in the area may face and can tailor coverages accordingly. For example, a local agent may be more aware of regional weather patterns, state regulations, or other factors that could impact the type of insurance you need. This local expertise can make a big difference in ensuring you’re adequately protected.
Flexibility over time
Your insurance needs will change over time, whether it’s due to buying a new home, expanding your business, or starting a family. One of the great things about working with an independent insurance agency is the flexibility they provide as your life changes. Because they work with multiple insurers, independent agents can help you adjust your coverage as needed without being tied down to one company. If your current insurance provider is no longer the best fit, your agent can help you transition to a new one without hassle. This flexibility allows you to stay properly covered while taking advantage of better rates or policies as they become available.
Working with an independent insurance agency offers a wide range of benefits, from access to multiple insurers and personalized service to competitive rates and ongoing support. By partnering with an independent agent, you’ll gain a trusted advisor who can help you find the right coverage at the right price – while being there for you when it matters most.
Optimal protection for your family in your hometown
Finding an independent insurance agent in your community is as easy as making a phone call.
Set up a meeting with one of our helpful agents on the insurance team at Minnwest Insurance Agency. We’re located in hometowns throughout Minnesota and southeastern South Dakota. As independent agents, we can compare rates from numerous insurance companies, so you can get the best coverage at the best value.
Minnwest Insurance Agency, Inc is an affiliate of Minnwest Bank. Products offered through Minnwest Insurance Agency, Inc are: Not a deposit | Not FDIC insured | Not insured by any federal government agency | Not guaranteed by the bank or an affiliate of the bank | May go down in value (if applicable)