A few weeks ago we were all celebrating our freedom as a country and as individuals. In that same spirit, it may be time to consider the areas of your life that you may still be held captive – specifically when shopping for local car insurance.
If you feel trapped by your policy or clueless when it comes to knowing what types of coverage you have, and the amount of coverage you might need? If so, maybe it’s time to consider some other options. Continue reading to find out how you can declare independence from limited car insurance and forge a new path to a better tomorrow.
Independent Insurance Agents Offer Freedom to Choose
Independent agents are called independent for a reason: They do not work for any particular company or carrier. There is a stark difference between independent agents and captive agents. An independent agent can provide you with access to multiple insurance providers, while captive agents can only offer the terms, conditions, and prices of the one company they represent.
When you choose to work with a captive agent, you are limiting yourself. You are limiting yourself to many things including:
- Their underwriting guidelines. In other words, what they’ll insure and what they won’t insure
- Their coverage options, maybe they will insure your home-based business, perhaps they won’t
- The limits available to you. Are they high enough? If not, that’s too bad
While that car insurance company may offer competitive coverage for your neighbor, it might not look too kindly on a speeding ticket found on your record, resulting in much higher rates for the same type of policy.
An independent agent can help you shop and compare coverage based on personal factors – including your driving record – to help you determine which carrier can best accommodate your unique circumstances and risk factors.
Independent Agents Make You Feel Empowered
Many Arizona drivers enjoy taking charge of their car insurance options, leading some to purchase coverage directly from the insurer instead of an agent. Though a do-it-yourself policy can provide coverage, you will miss out on the knowledge and experience of a trusted insurance agent.
Empowerment is derived from education and understanding – not the ability to build a policy by yourself. An independent agent will empower you by explaining your coverage options and helping you narrow down your choices. Ultimately, you have the right to choose your own provider, coverage types, and policy limits – all with the counsel and advisement of a licensed independent agent.
Choose a Local Car Insurance Agent
Location is everything, and that rings true for car insurance agents as well. When you select an independent agent, consider whether you want to be able to walk into their office and speak with a familiar face or have to call someone in a different state, that only knows you as a policy number.
At Harnish Insurance Group, we live and work right here in Mesa. We enjoy getting to know our clients and gaining their trust over time. We believe that a strong reputation precedes us with our many decades of service to the local community. Our doors are always open, and you can always find a smiling, helpful face you recognize when you have questions about your coverage or need help filing a claim.
If you are in the market for new car insurance, don’t be held back by limited options. Set yourself free with coverage comparisons from a local independent insurance agency you know and trust. Contact the team here at Harnish Insurance Group for more information or to request your free quotes. We look forward to serving you soon.
