The Best Local Insurance Agents & Brokers Near Me
Should I use a local insurance agent or broker?
In the modern world, people are more connected than ever before.
I can access all my information on any device with an internet connection and chat with friends across the globe any time of day.
But when it comes to insurance, there's still a strong sense of community that is missing from many other industries.
One way this sense of community in insurance is seen is through local agents and brokers who help you find the best deal for your insurance needs while also providing you with personalized service as if they were family or a friend.
With so many options out there, it can be difficult to know where to turn for help choosing the right type of coverage for your situation.
Insurance can be a daunting subject, but it doesn't have to be. Insurance agents and brokers are knowledgeable professionals who can help you find the right coverage for your needs.
Some insurance agents specialize in only one type of insurance, while others offer many types of coverage.
There's also different levels or tiers of coverage that may be appropriate for you depending on what you're looking for.
We are going to cover the differences between insurance agents and insurance brokers to help you understand how they might be best for you.
How To Find Independent Insurance Agents Near Me
Finding an independent insurance agent is a great way to ensure that you are getting the best possible coverage for your needs.
You can also feel confident knowing that you're not dealing with just one company and instead have someone who works with many different companies at their disposal.
What about buying insurance online?
Buying insurance online is a great idea for individuals who are busy, or just want to save time.
The traditional process of buying insurance can be daunting and time-consuming.
You need to find an agent, set up a meeting, go to the office, fill out paperwork and wait for approval. With online insurance you don't have any of these hassles!
With just a few clicks you can get instant quotes from top carriers in your area. You will also know exactly what coverage you're getting before even applying because every detail is spelled out on the site.
The application process is easy too; all you need is some basic information and the ability to answer insurance questions. Once everything's approved, you'll receive proof of insurance via email.
The challenge is know what type of insurance your need. Buying a cheap online insurance policy might cost a lot more in the long run if you buy the wrong policy and coverages.
You can get help with both an online application and the assistance from an independent insurance agent to make sure you have the right coverage at an affordable premium.
So, you've decided to shop for Insurance
Has it been awhile since you shopped for insurance?
If you are like most people, the last time you looked for auto insurance or home insurance was probably a few years ago.
The thing is that times have changed and your cheap local insurance agent may no longer be as good of an option as it used to be.
There are now online resources available to help consumers shop around for the best deals on their various coverages, which often include quotes from both independent agents and brokers who work with multiple insurers.
If money is tight or if you just want to make sure that you’re getting the absolute lowest rates possible, then this guide will show exactly how you can find the best broker in your area for any type of coverage.
**Buying insurance can be an overwhelming experience**
You want to make sure you’re getting the best deal possible, especially if a claim is going to happen.
However, many people simply don’t know where to begin their search or have no idea what questions to ask while they’re searching for a good agent and broker near them.
Insurance Brokers Group has put together this list of tips that will help you find the right type of insurance for your needs as well as how to get started with finding an agent who matches your needs perfectly.
In 5 minutes you'll have all the answers you need or you can skip the questions directly below in the contents box or read on.
Local Insurance Vs Online Insurance
Although people tend to buy their insurance straight from the insurance company or with an insurance agent.
There are various choices which can give you the possibility of finding lower rates and policies that are better suited to your needs.
An insurance agent generally works directly for one insurance agency.
If they are an insurance agent, they only represent one company. But, if they are an insurance broker, they could help you with dozens of insurance companies.
Because Insurance Brokers are approved to sell insurance for multiple insurance companies, they will be able to provide a broader range of coverage's and choices. Additionally, this means, they will have a higher probability of finding lower-cost insurance locally.
Fast, easy, and lower-cost insurance, and you can generally find one of these insurance professionals near you when searching online.
Local Insurance agent and broker,
What’s the difference?
Insurance agents are similar, but the difference is who they’ll be working for - you or the company
1 – Captive Insurance Agents
Captive agents are those that work directly for insurance companies like Allstate, Farmers, State Farm, and others. Insurance agents work for those insurance companies directly and only represent the one insurance carrier.
Because of their relationship with the insurance company, generally as an employee, that means they represent the company and not you.
2 – Independent Insurance agents or Insurance Brokers
They’re approved to sell insurance policies from several insurance suppliers and will assist you in examination rates and coverage choices.
The compensation they receive is from the insurance company directly, so they can be free to work with multiple insurance companies and not have the pressure to push any one company.
Some Insurance Brokers may charge a fee, but generally, those are very complicated commercial insurance risks that entail much research and many staff hours.
HOW TO FIND A LOCAL INSURANCE AGENT NEAR ME
While it’s not too hard to find an insurance agent or broker, finding one you can trust to find the best insurance rates is another story.
We suggest following these simple steps to find the best local insurance agent or broker near you.
Finding the best Insurance Agent near me is easy when you follow those simple steps.
Or, you could just click for quotes today and get multiple quotes from local insurance agents in your area.
Online Reviews For neighborhood
Insurance agents and brokers
Even if you received a referral, it's a good idea to check their online profile or their agency’s reviews, Google, Yelp, Yahoo, and Facebook are good places to check. These online reviews will give you an idea of the customer service they provide for past and current clients.
You will also be able to learn about their office location, types of insurance they offer based on reviews, if customers have been able to save money on their insurance.
Additionally, check with business bureaus like the BBB or Better Business Bureaus to see if there have been any complaints or outstanding issues that are still unresolved. This has been a very reliable source even before the age of the internet.
Check to see what there BBB rating shows like A+, B, C, etc. You’ll also be able to find how long the business has been around and the name of the person in charge, or the owner's name.
Verify an Insurance Agents Licenses are in good order with the Department of Insurance
You can check online with the State Insurance Offices which can confirm if their license is up to date and if there have been any prior complaints with the Insurance Department.
Consider advanced training designations – Chartered Property Casualty Underwriter, Certified Insurance Counselor, or Accredited Adviser in Insurance.
You can always ask for a current copy of an agent's insurance license. Insurance Agents and Brokers are required to keep a copy on hand at all times. Any hesitation might be an indication of issues that requires additional questioning.
Ask what auto insurance companies they broker for to get an idea of the companies they will be providing quotes from.
Are they "A" rated insurance companies and what is their track record for paying claims.
Do I need to meet with the Insurance Agent or Broker before deciding?
Once you’ve completed your research and narrowed down your list of potential local insurance agent or broker, schedule a meeting so you can better understand your auto insurance options in greater detail.
Face to face conversation is a great way to ask questions and reassured you are making the right decision, moving forward. A trusted insurance adviser can make all the difference.
The simple answer is NO it's not required and if you feel comfortable with the insurance company and the rates... Go for it.
Make sure the agent you’re considering is correctly licensed. Most state insurance offices have a directory wherever you'll be able to check the standing of associate agent’s license, and a few additionally enable you to verify whether or not or not there are any complaints.
Independent auto insurance agent near me, or search online?
In a perfect world you might be able to find exactly what you are looking for down the street.
But, just because there is an independent insurance agent in your town doesn't mean it's the best choice.
Make sure to ask the same question we discussed above.
Ultimately, it comes down to who you feel comfortable talking with about your insurance needs.
You might find the local auto and home insurance broker checks all the boxes, or you have a conversation with an independent agent two thousand miles from your home and they seem to really understand your needs.
Remember, insurance brokers are simply the middleman helping you find the best insurance for the most affordable rates.
The local insurance agent who represents one company might be what your family has done for generations, but you have more options today.
Why Use a Local Insurance Agent or Broker
Should I use a car Insurance company near me?
You might be thinking should I look for a car insurance in my area?
Remember, most car insurance companies are generally headquartered in one state, but they will have service centers and claims people throughout the country.
It's more important to have a quality insurance company with an affordable rate vs. the closest general insurance company.
This is why you'll want to work with an insurance broker like Insurance Brokers Group to find the coverage and rates you need.
There are hundreds of car insurance carriers in the United States. It can be a very time consuming process to find affordable vehicle insurance without the software to be able to search many companies at one time.
Many people are looking for an insurance company near me, but they should be asking themselves why. It's not always the best choice to buy your car insurance from a local company if you do not compare rates and quality first.
What is the most important thing when it comes to buying insurance? The coverage of course!
You want to make sure that your provider will cover any claims fully.
Insurance is an important part of every driver's life. In fact, the average American spends $1,500 a year on car insurance.
The question then becomes where to buy your car insurance policy?
One option is to use a company near you. However, there are significant differences in rates and coverage that should be considered before making this decision.
Make sure the insurance or broker has your same goals in mind and the assets you are looking to protect. There are many options – make sure they spend the time to get to know you and learn what’s most important about insurance to you.
For local insurance quotes in your area, click here or call 800-459-6060 and speak with a local insurance agent or broker.
Frequently Asked Questions
You know that feeling when you're shopping for something and you just can't decide? You felt like it's hopeless. The more time you spend looking, the less confident you are in your purchase.
So we created this blog post to help insurance buyers find the best insurance brokers near them.
You might wonder what the difference is between an insurance producer and a broker. The answer to that question, however, can depend on who you ask.
Insurance producers sell policies for one company and usually get compensated by commission or salary from that company. A broker sells policies from multiple companies but gets compensation as a commission or fee only when they find someone with whom they have not already done business.
Some people say brokers are better because they offer more choices to their clients, while others say insurance producers are better because it's easier to trust them since they work for just one company.
I'm sure you've heard the old saying that you can't put a price on peace of mind. This is true, but with insurance, there are some added benefits to purchasing through a broker. Some questions we get asked about brokers and why they might be more expensive than going direct with an insurer include:
-Do I need a broker?
-How much will it cost me?
-What happens if I change my mind after buying from them?
The good news is that brokers don’t charge any fees for their services (unlike what many agents charge).
The Good News is because brokers have more companies to quote you are more likely to find better rates.
We're going to answer a question that you might have: do insurance brokers charge a fee? The quick answer is no, they don't. The company that they represent pays insurance brokers. However, there may be some exceptions if you want an independent broker who doesn't work for anyone specific company.
Insurance Brokers Group does not charge a fee for our service.