Why Choosing an Independent Insurance Agency Is a Smart Move for Your Auto and Home Insurance
When it comes to protecting your biggest assets, your home and your vehicle—insurance isn’t just a legal requirement or a checkbox on your to-do list. It’s a crucial layer of financial protection that gives you peace of mind. But how do you decide where to get that coverage?
While many people go straight to big-name insurance companies, there’s a strong case for choosing an independent insurance agency instead. Let’s break down why this option can be a smarter, more personalized choice—and what to look for when picking the right one.
What Is an Independent Insurance Agency?
An independent insurance agency isn’t tied to just one insurance provider. Instead, they work with multiple insurance companies to offer you a wide range of policy options. Think of them as insurance matchmakers—they find the coverage that fits you, not the other way around.
The Benefits of Going Independent
1. More Options, Better Value
Independent agents can compare policies from multiple insurers to find the best combination of price and coverage. Instead of being sold a “one-size-fits-all” plan, you get options that are tailored to your specific needs and budget.
2. Personalized Service
Unlike some large call centers, independent agencies often provide a more personal touch. You’ll likely talk to the same person every time you call, and they’ll get to know you, your family, and your evolving insurance needs.
3. Unbiased Advice
Because they aren’t tied to one company, independent agents offer advice based on what’s best for you, not what benefits their employer. That means more honest answers and fewer high-pressure sales tactics.
4. One-Stop Shop
Need both auto and home insurance? Want to bundle and save? An independent agency can help you with that—and often has access to bundling discounts across different companies.
5. Local Knowledge
Most independent agencies are locally owned. They understand the risks specific to your region—like storm damage, flood zones, or traffic patterns—and can help you find the right coverage for your area.
How to Choose the Right Independent Insurance Agency
1. Check Credentials
Make sure the agency is licensed in your state and has experienced, credentialed agents.
2. Read Reviews
Online reviews can give you insight into how the agency treats its clients, how responsive they are, and how they handle claims support.
3. Ask About Their Carriers
Reputable agencies work with top-rated insurance companies. Ask which carriers they represent and why.
4. Look for Experience
An agency with a long track record in your community is often a safe bet. They’ve seen it all and know how to navigate tough situations.
5. Evaluate Their Communication
Do they return your calls promptly? Do they explain things clearly? Good communication is key when it comes to insurance.
Final Thoughts
Your home and car are major investments, and the insurance coverage you choose should reflect that. Working with an independent insurance agency gives you flexibility, transparency, and a level of personal service you may not find with larger, direct-to-consumer companies.
If you’re shopping for auto and home insurance, take the time to explore local independent agencies. It might just be the smartest move you make all year.
Please Contact the Bremberger Insurance Agency today 414-220-0400
Jim Bremberger has worked in the insurance industry since 2009, gaining extensive experience with minor and significant claims that can significantly impact a family without adequate coverage. By joining the independent sector and teaming up with many insurance carriers, he can offer exceptional coverage at competitive rates for residents all over Wisconsin.