Working With an Independent Insurance Agent

An independent insurance agent sells and services insurance products from multiple companies.

Unlike captive agents, who represent just one insurance company, independent agents have the flexibility to choose from a variety of providers.

This allows them to compare policies and coverage options from different companies to find the best fit for their clients’ needs.

Independent insurance agents often know about a wide range of insurance products and can help you make an informed decision.

The Benefits of Working With an Independent Insurance Agent

Consider the following benefits of working with an independent agent:

• Wider choice—Because they aren’t bound to one insurance company, independent insurance agents may offer a broader range of policies and pricing. They may also be familiar with smaller insurers specializing in niche products, which could help secure affordable coverage when your insurance needs are complex.
• Saved time—One significant benefit of working with an independent agent is the time it saves. Instead of spending time researching and comparing insurance policies on your own, your agent can do this for you.
• Personalized service—Independent agents work for you, not the insurance companies. They take the time to understand your unique needs and circumstances and use this information to find the best insurance solutions. This could include understanding your lifestyle, financial situation, risk tolerance and future plans. What’s more, they can answer your questions, address your concerns and provide reassurance through the buying process.
• Expertise—Independent agents can explain complex insurance terms and conditions in simple language, helping you understand your policy and exactly what you’re buying. Independent insurance agents may also be well-versed in the local area and its unique risks. They might be able to make referrals to other trusted local professionals (e.g., financial advisors) if required.

In addition, independent agents can provide ongoing service and support. They may review your insurance needs periodically and make recommendations for changes as your life circumstances alter. They may also assist you in managing your insurance portfolio, ensuring you have the right coverage as your needs evolve.

Finding an Insurance Agent in Miami, FL

Enlisting the services of an independent insurance agent can provide you with wider choices, personalized service, expertise and peace of mind. Contact the team at Delia Izquierdo Insurance Agency today to find out more about working with an independent insurance agent.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.