Mesa, Arizona Insurance – Harnish Insurance Group

Harnish Insurance Group
2045 S Vineyard, Ste 143
Mesa, AZ 85210
Phone: 480-839-9077
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The Independent Insurance Agent

December 10, 2018 By Bryan Harnish

The Harnish Group - An Independent Insurance Agency

Did you know that the way in which you purchase your insurance has the biggest impact on the rates you’ll pay? It also impacts what type of coverage you’ll have and the time and energy you’ll have to expend in finding a policy that meets your needs. 

Below, we’ll go over the top three ways that most people purchase insurance — eventually landing on a way that can change your entire insurance buying experience for the better (and save you money!). Let’s begin!

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Buying Insurance, Route #1 – With a Captive Agent

The first way that most people buy insurance is with a captive agent. This route sends you to local individual, licensed to sell insurance from one single company. Many captive agents work for companies such as Farmers Insurance, American Family, or State Farm — but remember, they can only work for one company. Therefore, if you work with them, you’ll only get quotes from one company. 

Buying Insurance, Route #2 – Direct From the Company

Another way that insurance is commonly sold is direct from an insurance company. For example, you may contact a company like Esurance or Geico directly online or by phone and get your policy that way. Direct buyers frequently assume they’re getting the best deal because they’re cutting out the “middleman.”

Buying Insurance, Route #3 – With an Independent Agent

The last (and the best way to purchase insurance is through an independent agent.) 

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An independent agent is like a captive agent in that they work for a select insurance company and help their clients locate the best policies. But there’s one key difference: Independent agents can work for multiple companies while captive agents can only work for one company. 

This changes things entirely. Why?

It gives you, the client, choice. Instead of being locked into working with just one company like American Family or State Farm, you have options. You’ll be able to locate the best company for you and the best plan for you.

Some people don’t like the idea of an independent agent because they earn a commission, and ostensibly, this raises rates. While it is true that independent agents earn a commission on every insurance policy they’re able to sell, here’s what you’re missing: Independent insurance agents are working for you. Their main goal is to sell you the best policy they can find at the best rate. Their main goal is not to please the insurance company. This changes everything and means that you’ll be saving money by getting better rates. 

Also, you’re not paying this commission; the insurance company you ultimately purchase from is. And although the commission may increase the overall price of your policy at first, you’ll be getting a better deal overall. In the end, because of the hard work that your agent puts in by being able to sift through the policies of various companies, you’ll make back the cost of their commission many times over as you continue to benefit from your chosen policy. Everyone wins. 

Take Advantage of the Benefits of an Independent Agent

Independent agents work on your behalf — to find you the greatest rates, excellent coverage, and ample limits. So consider changing your ways for a spell! Make life easier on yourself, stop buying insurance direct, and go with an independent agent. 

Working with an independent agent already? Share the value of their help and services with a friend! 

And of course, if you’re still looking for an agent, give Harnish Insurance Group a call. One of our knowledgeable agents is standing by to help you find the policies that are right for you!

Filed Under: Personal

Insurance can be confusing at times and everyone's needs are different. If you have questions regarding coverage, pricing, or anything else related to insurance, send us an email or give us a call.

If you'd like to get a free, no-obligation quote, all you have to do is ask!

Contact The Harnish Group Today!

About Bryan Harnish

Bryan Harnish is the Owner at the Harnish Group in Mesa, Arizona. Bryan can be reached at 480-839-9077.

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I have been with Harnish Insurance Group for many years. They take care of all my insurance needs and I couldn’t be more satisfied. Bryan is always available to talk with me and answer any questions I…

Sandy Ethredge

I have been insured with Bryan since 1995. Always kind and attentive to my insurance needs, as well as quick to resolve issues.

Kerry Josey

I’ve had the Harnish group for more than 10 years now and wouldn’t change! They are professional, fair and responsive. I have bought 2 homes, and 2 vehicles since doing business with them and they hav…

Cheryl Hunter

I’ve been with Harnish for years! Couldn’t speak highly enough of them!!

Amy Mcllroy

I have used Harnish Insurance Group for years! Great customer service. Always available to answer questions. Very happy with the services they provide for my company.

Linda Leavitt

The best! I have been with Bryan and Team my entire adulthood and they have always taken great care of me. They are the best – local and always a phone call away. I highly recommend this company!

Matthew Powers

I’ve been with Brian and his team for 25 years…They are the best!!

Taya Gluch

If ever I have a Question this office always finds the time to help answer all my Questions, and NO matter how many times I call, Brandy and Bryan always greet me warmly and are very helpful!

Sue Tyler

I have never been so happy. They are very special and has always treated me with respect. Brandi, Brandon, Brian have always been there for me and without ever actually meeting me is spot on. Thank yo…

Lezlie Greenberg

Never had a bad experience with Harnish Insurance Group. Friendly, professional folks!

Grant Gay, Jr

Contact

Harnish Insurance Group
2045 S Vineyard, Ste 143
Mesa, AZ 85210
Phone: 480-839-9077

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Saturday & Sunday Closed
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