Local independent insurance matters because vehicle is covered against future risk. In fact, there are real differences between independent insurance agents and other agents, and knowing the differences can have a real impact on your policy choices, insurance discounts you receive and ultimately on your insurance protection.
If you do have an accident or need to file a claim for any reason, independent insurance agents will help you manage the claims process, from dealing with the insurance claim’s adjuster to dealing with the insurance company itself. For the most part, your agent is “high touch” when it comes to working with you as the client.
It is important to make informed decisions about your insurance. Getting quotes from a variety of insurance agents can ultimately help you obtain the coverage that is right for you, whether you are a small-business owner seeking liability coverage, or you are a new driver who has questions about comprehensive car insurance, or you are a homeowner seeking to upgrade your homeowners insurance policy, or you just have questions about your current insurance policies and whether you qualify for insurance discount
independent agencies represent multiple companies and use them to shop the policy around and find the best coverage/price combination. Generally, if there is a problem or a change is needed, an assigned representative from the agency will handle the task. The customer also has the option to contact the company directly.
Personal customer service
In an age where so many things are automated, agencies pride themselves on delivering great personal service. Unlike large direct writer companies where customers speak to a different person each time they call, Bright Insurance assigns a personal customer service representative to assist the customer whenever a change is needed. Bright has a personal in-house claims representative as well.
Customers don’t need to worry about sorting through all the insurance companies and policies. At independent agencies, a personal customer service representative will shop the customer’s needs to all of the carriers the agent writes with to find the best fit.
In addition to being there for the insureds, most independent agents are active in supporting their community. From sponsoring events, to serving on boards and committees, there are many ways to witness an independent agent such as Bright Insurance impacting the local community.
A local agent will know the ins and outs of the often complicated local registry rules and regulations. Many agents can perform some registry services. In colder weather, the agent can give tips for preventing ice dams, and help customers avoid a surcharge if there is enough bad weather to be considered a catastrophic event.
How Independent Insurance Agent can find cheaper car insurance rates
Shop around for the best deals
Savings of hundreds of pounds can be found if you shop around when you renew your cover.
Be careful though. When shopping around for car insurance, it’s important to make sure that you are comparing like-for-like cover. Some policies may seem cheaper, but you may find you don’t have the same level of cover when you have to make a claim.
Use an online comparison service to do the hard work for you. Put in your details and check the prices that come up. You can alter the excess that you are willing to pay and the mileage you will drive and get new quotes. Also check the insurers that don’t feature in comparison sites, the big two are Direct Line and Aviva
Don’t put everyone on your policy
Ensure that only regular drivers are named on the policy. You can always add someone for a few days when they really need to drive the car.
Protect that no-claims bonus
A long no-claims bonus is the single best way of cutting car insurance costs, so protect it. The definition of a protected no-claims bonus can vary widely between insurers though accidents caused by another driver will normally have no impact on such a bonus, those caused by the insured could.
Take a higher excess
Increase your voluntary excess. Agreeing to pay more towards the cost of any accident repairs will bring down premiums. If you are not at fault in an accident, the excess can be recovered.Beware being tempted to allow it to rise too high, however, especially if you have a lower value car.
Secure your car
Fitting an approved alarm, immobilizer or tracking device can attract a discount of around 5%. Many newer cars will come with these as standard, so make sure you check if you have them and then declare them.
Watch out for insurance trap cars
If you decide to change your car, check with your insurer if the model will have a significant effect on the premium.
Remember what the garage is for
If your garage is full of junk, clear it out and use it for your car. Insurers like cars kept in garages overnight and this can dramatically cut your premium. Aside from the benefit of not having to scrape the ice off in winter, there is a higher risk of theft by keeping the car on the road, so keeping it in the garage will be reflected in your premium.
Home, Life, Health, General Liability, Workers Compensation, Errors and Omissions, Professional Liability, Directors and Officers Coverage, Employers Liability, Pet Insurance, Equine/Horse Mortality Insurance.. you name it, all this can be done by an insurance company, and we will find you the lowest rates available and to make sure you get the protection you deserve from the best companies around.
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