September 27, 2021

Should I Use An Independent Insurance Agent For My Coverage?

Insurance agents

What Is An Independent Approach To Car Insurance?

 Do you know the difference between an independent agent and a direct writer?

There are many benefits to working with an independent agent, such as being able to choose from a variety of insurance companies. In addition, agents have years of experience in the industry and can help you find coverage that meets your needs for less money.

In contrast, direct writers only work with one company – theirs – which means they may not be well equipped to offer competitive rates or even provide all necessary coverages.

You deserve better than the average rate offered by a direct writer because there is no competition!

Get an insurance quote today!

How can I lower the cost of my auto insurance?

Many consumers are finding they can drive down the cost of car insurance and the time it takes to select the right policy by contacting an independent insurance agent or broker.

Because they represent many different insurance companies, independent agents have the flexibility to review rates and coverage from competing carriers and get you the best deal. Plus, they can offer affordable protection for your home, business and other assets. So rather than spending hours gathering quotes from various companies, you can get it done with one simple call or visit to your independent agent or broker

What is an independent insurance agent and how do they work with you

As a consumer, you may be wondering what an independent insurance agent is and how they work with you. An independent insurance agent researches and finds the best deals for your specific needs, such as homeowners or auto coverage.

They represent many companies in order to find the best deal for their clients. When you buy from them, they will give you all the information about your policy so that there are no surprises when it comes time to renew!
Independent agents can save consumers money by negotiating discounts and getting rates based on local data rather than relying solely on nationwide averages like other brokers do.

What's more: they personalize the customer service experience

How to find the right independent insurance broker for your needs

Finding the right independent insurance broker can be difficult. You want to find someone who is knowledgeable, trustworthy, and has your best interests at heart.

There are many factors that go into finding this type of professional, including location, experience, and specialization. Once you have found a few brokers in your area that might meet what you're looking for, then it's time to ask them some questions to see if they are the right fit for you!

Who are some of the best independent brokers in your area to use

The insurance industry is constantly changing. With so many new regulations, it's no wonder why people are confused about who they should use for their home or car coverage.

There are some really good independent brokers in your area that can help you find the best rates and coverage to suit your needs.

Insurance Brokers Group has been helping consumers find the right policy for years now, and they're constantly updating their knowledge on all the latest trends in insurance to make sure they know what's going on with the market at any given time. A lot of times, this means being able to save you money without sacrificing quality! If you want more information about our services, contact us today! 314-569-1010 or click on the link for quotes.

If you’re thinking of contacting an independent agent, here are a few things to consider:

What’s your lifestyle?

Many factors determine auto insurance rates, not just vehicle year, make and model. Companies also look at information about you.

If you’ve recently moved, gotten married, had a birthday or experienced a similar life milestone, mention this to your independent agent or broker. You may be eligible to save money on your car insurance.

Sweet 16 doesn’t have to be sour.

Having a new teenage driver usually means the auto insurance bill will go up, but there are ways to save. An independent agent or broker can find them for you.

How old is your car?

You don’t always need the same level of physical damage coverage on older cars as on newer ones.

If you drive an older car, your independent agent or broker can advise you what level of coverage makes the most sense.

If you want to keep your physical dam-age coverage, consider raising your deductible that could save you money each year, too.

Save money on the fun stuff. If you have a motorcycle, boat, RV or other “toy,” you might save money by having it covered by the same company that insures your car.

Talk to your independent agent or broker about it.

You may also want to consider separating your homeowner’s policy from your car insurance policy.

Bundling your homeowner’s policy with your car insurance doesn’t always save you money.

It may, but have your independent agent look at separating the policies— the discount you may have gotten for keeping them together may be outweighed by the lower price another company might have for your car insurance.

List of questions to ask when buying an auto insurance policy

1. What is the deductible for my auto insurance policy
2. What is the coverage amount I want to have on my car or truck
3. How much will it cost me per month to buy this policy
4. Do you offer a discount if I have more than one vehicle insured with you
5. Can I get a quote online and pay monthly without having to go into an office
6. Will your company take payments from someone else's credit card in case of an accident or injury that requires hospitalization, surgery, or rehabilitation services
7) What are the requirements for driving as part of my job (i.e., taxi driver, limo driver) and what does that mean for getting coverage through your company
8) If I am not at fault in an accident but still injured, how can I make sure that my medical bills will be covered by my auto insurance provider?

9) What is the limit on medical payments for my policy in case I get injured in an accident
10) Which states does this policy cover me in - am I covered when driving through other states
11) Am I covered if someone else drives my car with no permission (i.e., joyriding)
12) How much liability coverage do you offer to protect me and others from damages caused by my vehicle
13) Do you have any discounts available for senior citizens or students who are studying full time
14) Do you require a down payment, and how much will it be (if so)


You may have a lot of questions about how to find the best car insurance.

At Insurance Brokers Group, we’re here to help!

We have an independent approach that puts you in control and helps you get more coverage for less money.

Our team is committed to providing excellent customer service, so if you need help with your auto or home policy, contact us today! 314-569-1010 or click the link below for quotes.

Read More Articles:

Car Theft In California Is On The Rise, What You Can Do

John Espenschied is a long-time veteran of the insurance industry. He's worked with thousands of clients over the years, helping to protect their personal and business needs. John's goal is to provide the best advice possible to assist customers in saving money while protecting their property and securing their financial future.
He truly enjoys helping others and takes great satisfaction in providing top-notch customer service. When he's not working, John has fun spending time with his family, golfing, bike riding, and blogging on insurance topics.