Buying insurance can sometimes feel like a chore. To get the right coverage for your specific situation, you need to look beyond low prices. While you might find cheaper policies, they may not adequately protect your property or assets.
That’s why it’s helpful to get advice from experts.
When you work with an independent agent or broker, they’ll rarely provide you with an instant quote. Typically, they’ll review your specific circumstances before recommending auto, home, renters or life insurance coverage. They can also match your unique needs and budget with policies that support your financial goals.
Here are four reasons to work with an independent insurance agent:
You’ll save time. Instead of spending hours seeking quotes from multiple insurance companies, an independent agent can do the heavy lifting. Most have access to more companies than you have the patience to call. They already know about various insurance products and the providers that offer them.
Insurance agents are licensed experts. Searching online for insurance coverage might yield low insurance quotes, but you’ll need more than that to ensure your assets and loved ones are protected. Unless you understand how policy limits and exclusions might affect your coverage, selecting a policy on your own could cost you.
They can help identify holes in your coverage. You can select special insurance products that might further reduce financial risk, such as Guaranteed Asset Protection Insurance and Valuable Personal Property Insurance. GAP Insurance covers the difference between your outstanding auto loan balance and the settlement provided by your auto insurance carrier if your vehicle is stolen or is a total loss due to an accident.
VPP Insurance is an affordable addition to your regular homeowners or renters policy. It covers things like jewelry, musical instruments and guns. A qualified agent can help you decide if a GAP or VPP policy is right for you.
They’ll advocate on your behalf at every life stage. A car accident, roof damage or stolen property can be costly. An independent insurance agent can help you report the incident, file a claim and even connect you with local service providers who can help with repairs. Agents will also help resolve billing issues and answer policy-related questions year-round.
Your insurance needs will change as you age. For example, a new home, baby or business might require changes to current policies or the addition of new ones. An independent agent can offer personalized insurance guidance at each of life’s milestones.
Help When You Need It
Selecting insurance policies based on price alone can be costly when a claim occurs. Save time and money when you let SchoolsFirst FCU Insurance Services research discounts and coverage options based on your specific situation.
CA Insurance License 0I19344.