Some insurance agents only write policies from a single company, but others work with a wide variety of carriers. These independent agents offer their clients a variety of benefits that can lower their rates while ensuring they're protected from the unexpected. If you’re comparing insurance quotes, the following are a few reasons to consider an independent agency.

What Are the Benefits of Working With Independent Insurance Agents?

1. More Options

Because they work with a wide network of insurers, independent agents have access to a broad selection of policies. Instead of accepting an insurance quote from a single carrier, they’ll shop around and present you with a menu of options with varying features and price points.

2. Lower Rates

Comparing policies from several companies is key to getting the coverage you need at the best price possible. Agents who only work for one insurer don’t have the resources to shop around and may recommend policies that are more profitable for the insurance company.

Because they work for you—not the insurance companies—independent agents are motivated to find the most cost-effective policy that meets your needs.

3. One-Stop Shopping

Some companies may offer affordable auto insurance, but their home or boat insurance rates may be higher than average. If you work with a single insurer, you may wind up overpaying for coverage. However, independent agencies can request insurance quotes from their extensive network of carriers. By mixing and matching policies, they can reduce your premiums without sacrificing coverage on your most valuable assets.

4. Industry Expertise

Filing a claim or adjusting a policy can be frustrating, especially if you purchased your policy online. An insurance agent acts as your advocate and works with the insurer on your behalf in these situations. With their industry expertise and extensive knowledge of each company’s processes, they can take the stress out of addressing billing concerns or adjusting your coverage.

As an independent agency working with over 50 different carriers, Barnes & Howell Insurance offers high-quality, affordable coverage to homes and businesses across Georgia. Whether you’re shopping for auto insurance or need protection for your home, you can rely on their agents to provide the insight and support you need. Visit their website for an overview of their coverage options, get more helpful tips on Facebook, or call (770) 718-0202 to request your free insurance quote.