Are you one of those people that buy auto insurance from one agent, home insurance from another and life insurance from yet another? If you are, did you know that you are cheating yourself? Ideally, your insurance needs should be reviewed as a unit, so that an overall protection plan can be developed. You may also be (and most always are) eligible for a substantial discount when you “bundle” multiple policies and purchase them from the same carrier.
Your agent should develop a plan for you based on the information that he’s gathered about your needs. The information gathering process can be time consuming, but its well worth it.
When you first meet with your agent, he/she should take the time to get to know you and get to know what you need. If your agent has finished gathering information in 10 minutes, you have the wrong agent. You should expect it to take about an hour and a half to gather all of the appropriate information about your insurance needs.
If you don’t have a plan, you will be in danger of not buying adequate coverage or even the wrong coverage! You need to be an informed consumer and understand not only what you need, but what you’re buying and why you’re buying it!
Your independent insurance agent can get you options from several different carriers, assuring you that you are getting the best possible coverage for the money. An independent agent works for YOU, not an insurance company!