INDUSTRY INSIGHT
INSURANCE
SPONSORED CONTENT
7 REASONS AN INDEPENDENT INSURANCE AGENCY
IS THE PERFECT FIT FOR YOU
HAVE YOU EXPERIENCED THE ‘INDEPENDENT DIFFERENCE’ YET?
F
rom auto, home and life insurance to the complexities of
covering a business, searching alone for insurance coverage
that fits you and your unique needs can be a confusing,
frustrating burden. Rates go up without reason, claims come when they’re
least convenient, and reading your policy can sometimes feel like staring
into a swirling bowl of alphabet soup. Adding to the confusion are all the
mega-brand coverage providers barking at you from every commercial break,
billboard and online banner with promises of vague special discounts and
competitive rates.
So what’s a busy individual like you supposed to do?
Some people simply pick the brand they know best—usually a big national
insurance company with bottomless marketing budgets—either because their
friends and family use them or because their advertising is familiar, well-made
and convincing.
After all, it seems like most coverage companies are the same, so why not
just pick one at random?
But what most people don’t realize is that insurance doesn’t have to be
a guessing game. Nor does it need to be a long, arduous slog of scouring
website after website to find the actual lowest rate. In fact, there’s an option
that’s so simple it might surprise you:
An independent insurance agency.
What’s an independent agency? We’ll cover a lot of that below, but stated
as simply as possible, it’s a local insurance office that provides policies from a
multitude of companies rather than just one.
What makes that such a big deal?
Well, let’s go over a few of the biggest reasons:
WE SHOP MORE THAN 40 COVERAGE PROVIDERS FOR YOU
What if someone went to the store for you and found the best deals on
exactly the things you need while you relaxed in the comfort of your own
home?
That’s basically what an independent agency does. Only, instead of
groceries or clothes, we browse aisles upon aisles of quality, top-rated
insurance providers to find you the best price on a policy that meets your
exact coverage needs. Rather than re-entering your information into a dozen
different quoting sites, you just answer a few questions for us and we do the
rest.
Imagine the time and money an independent agency like Rupp-Fiore
Insurance can save you with a roster of over 40 available national and regional
coverage providers (including big name brands like Travelers and Progressive).
It would take months to shop that many carriers one by one on your own.
YOU GET LOWER, MORE COMPETITIVE RATES
Because independent insurance agencies aren’t obligated to sell just one
company’s policies, they can offer you quotes on policies from a variety of
companies, each with its own policyholder preferences and rating methods.
Things like past accidents, bad credit or youthful drivers are less of a liability
with some companies compared to others, and will therefore affect your
premium less. Likewise, some companies have policyholder preferences that
others don’t.
So, in short, coverage providers can be as unique in their rating methods as
the people their policies cover. Finding that perfect fit between insured and
insurer is what independent insurance agencies do every day.
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YOUR RATES STAY COMPETITIVE YEAR AFTER YEAR
Independent insurance agencies aren’t a one-and-done deal. Each year,
your policy can be reviewed and re-quoted with that same massive (and
growing) list of available carriers to see if there’s a better updated rate than the
one you received with your policy renewal.
YOUR COVERAGE ADAPTS TO YOUR CHANGING CIRC