09/21/2020
Personal Note:
Happy Fall!!!!
I can’t speak for everyone but our kids are very happy to be back in school and routine feels so good at our house again! I can’t say that it’s perfectly normal. The kids are wearing masks all day, the elementary kids are staying in their rooms and desks pretty much all day, the junior high and high school only go in-person 2 days a week. There has been some anxiety at our house. But all in all, we are happy and hoping that we can stay in school.
Insurance tip:
What is an Independent Insurance Agent? Everything You Need to Know:
You need insurance. We all do. In some cases it's required by law. In others it's required by the unwritten code of being a responsible adult that owns things. So, what’s the best way to buy it?
-Online or with an agent?
-What kind of agent – independent or captive?
-Oh, and what does this all mean?
We think life is complicated enough; your insurance doesn’t have to be.
An independent insurance agent is a trained and licensed professional that tailors programs to meet their customer’s specific needs. They can do this because they work with many insurance carriers, rather than just one. They are locally based and operate out of their own local insurance agency.
This may surprise some people, but an independent agent is a small-business owner. Agents are not an employee of the insurance companies whose products they offer. The insurance agency is often run by a few agents and administrative staff members. Another misconception is that they sell their own insurance products. They do not. Instead, they work on behalf of their customers to obtain policies from insurance companies. This is a real bonus for the customer.
Now, it's important to point out that every insurance agency you see is not an independent agency. There are also captive/exclusive agencies that operate differently. The main difference is that independent insurance agents offer more choices than captive/exclusive insurance agents. Captive/exclusive agents offer only one insurance company's products. This means they can only place your policy with that one company. Independent agents, on the other hand, have options. They can place your policy with one of the several insurance companies they work with to make sure your unique needs are met.
Summary: Independent insurance agents help you find a policy with one of the several insurance companies they work with at their agency. Other, captive or exclusive, insurance agents can help you find a policy with the one insurance company they work with at their agency.
So, what’s the best way to buy insurance? If you ask us, an independent insurance agent!
What advantages? Glad you asked. Your local independent agency is your one-stop shop for all types of insurance. Since independent agents offer a variety of insurance products from several insurance companies, you are more likely to be able to handle all of your insurance needs in one place rather than trying to coordinate with businesses all over town. Most independent agencies offer life, home, car and business insurance. This means you may only need one point of contact for all your policies.
Contact us today so that we can look at your current coverage and make sure you are getting the most for your money!
Quote of the week:
“What happens next is up to you” -Chris Sacca
This day in history:
1814 - “Star Spangled Banner” (originally titled “Defense of Fort M’Henry”) was published as a poem by a 35-year old lawyer named Francis Scott Key.
