Most Independent Agents have at their disposal the ability to quickly check prices and coverages with dozens of different insurance organizations. Because prices differ greatly, an independent agent can more-than-likely get you a much better deal than you could possibly get on your own. Independent Insurance Agents can even get you insurance from a ‘direct writer’ similar to what you could get yourself.

Independent Agents are a one-stop-shop for ALL of your insurance needs. Auto insurance is not the only type of policy sold by an agent, though it might be the most common. They also sell homeowners, renters, health and life insurance, business insurance etc. Use them – free of charge – to handle ALL your insurance needs.

Insurance is a complex subject. Its an agent’s job to know it, and communicate it to you so you understand it too. Actually, in every circumstance, the average buyer will benefit from having someone who deals with this subject for a living and can guide them through the 50 page agreement. An agent can inform you of any hidden surprises specific to your circumstances.  Even though you may understand insurance completely you can still get tripped up:  The insurance sector is regulated on a state-by-state basis. Move from one condition to another on your policy and you’ll discover that the protections may seem the same at first glance, but with more detailed examination things may function a little differently (very differently, in some states).

Coverages do not only vary from state to state… they vary from company to company within the same state. Several businesses use what are called ‘manuscript’ coverage forms. These forms do not necessarily use industry-standard wording and might include altered procedures that materially impact you in some way shape or form… that can be unearthed by an expert advisor who is already familiar with the specific policy’s quirks.

Which brings us to a different issue that may come about when you go direct. You don’t have any licensed, insurance broker acting in your behalf. You are now taking on complete responsibility for your coverage choices, and for any errors you might make. No more back-up.

Let me be clear… There is nothing wrong with direct-writer insurance companies. But, if you have an agent, they’re defenses available and certain solutions that can be had that you’re not going to get with a direct – writer insurance company.