Blog Why Choose an Independent Agent

Why Choose an Independent Agent

February 5, 2020 · Personal Lines, Commercial Lines

Suppose you have just purchased a new home or automobile. You need to buy insurance and you want to make sure you get the appropriate coverage. How should you proceed? There are several ways to buy insurance. For instance, you could buy policies online or secure coverage through Mortgage Company. While these methods can be effective, as a new homeowner you may prefer to utilize the services of an independent agent. Buying insurance through an independent agency offers a number of benefits.

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Please note: coverage cannot be bound or altered online. A service representative will need to contact you to finalize your request.

Licensed Professional

One advantage of utilizing an independent agent is that he or she is a licensed professional. A licensed agent has many legal obligations, such as behaving ethically and acting in your best interest. Many states require agents to pass a licensing exam in order to sell insurance. The type of license an agent needs depends on the products he or she sells. For instance, an agent that sells property and liability insurance may require a property/casualty license. A license is generally valid for two years.

To renew an existing license, an agent may need to fulfill state continuing education requirements.

Choice of Insurers

Because independent agents represent multiple insurance companies, they can obtain quotes on your behalf from several sources. Insurance products offered by one company may differ in price and scope of coverage from those offered by another. Your agent can help you compare policies and choose the one that best suits your needs.

Independent agents are familiar with the insurance companies they represent. Your agent's knowledge of insurers' preferences can save you time and effort. He or she will not waste time submitting applications that are likely to be rejected but will direct your submission to insurers that want your business. If your agent is not sure whether your business meets an insurer's underwriting guidelines, he or she can ask the underwriter directly before submitting an application.

Claims Assistance

One benefit of using an independent agent is that you will get help filing claims. If an accident occurs, you can report the event to your agent, who will then notify your insurer. Your agent can help you fill out claim forms and can advocate on your behalf if problems arise. Agents are familiar with claims handling procedures and the amounts typically paid for various types of losses. After your claim is paid, your agent can tell you whether the payment amount seems reasonable.

Personalized Service

Insurance is a people business. When you meet with an agent in person, you develop a personal relationship with him or her. Over time, your agent will become more familiar with you and your insurance needs and will be able to provide more personalized service. Your agent will review your coverages prior to renewal and may suggest changes or upgrades.

If you have questions or want to know get quote for insurance give us a call today at Hennessey, Thames & Leavitt Insurance Agency in Vicksburg, Ms. You can reach us by phone at 601-636-5560, by email at or come by and see us at 1001 Belmont Street. Check us out on Facebook or our website