Think PIA
Everyone is looking for a good deal on his or her personal insurance. Some people define a “good deal” as getting the lowest priced insurance, much like buying gas or other products of a similar kind. However, there is a different way to define the “best deal” in insurance terms. We want you to get the best value. Let me describe what I mean.
You Are Hiring Agent—Not Buying A Policy
Rather than shopping around for the lowest cost insurance, why not shop for an agent who can help you find the best value. Independent agents represent many different insurers. You will benefit from an agent who represents many insurers; especially an insurer who has experience with your individual needs. When you allow an agent to market your insurance needs to several insurers, it is an excellent way to bring value to the process and ensure that you will be presented with the best options available on the market today. You want a relationship, not just a policy.
Insurance policies are not all created equal. Insurance is not like a commodity; insurance companies offer many different kinds of policies that may or may not offer the coverage you need. Why pay for insurance you do not need, or worse, pay for coverage you thought you had but did not.
As an independent agent, we will not sell you more insurance, we will provide the right insurance. In some circumstances, we may even tell our clients not to buy insurance.
Ask your agent about their experience and qualifications. Are they investing in extra training and do they have accreditations?
A good agent will:
- Ask questions
- Educate you
- Bring their knowledge and skills into the relationship
- Act an advisor not a sale person
- Become a trusted partner
Agents Help Fill The Gap
Many insurance policies are filled with coverage gaps. These are areas where you need certain coverage, but the policy may not provide it. A coverage gap may have policy limits or deductibles not designed for your needs. An agent acting as your advisor can help you identify these gaps and offer solutions.