According to Smart Financial, the top three most frequent vehicle insurance claims are fender benders, thefts, and whiplash injuries. While some people prefer to work with a direct insurance company, there are several advantages of working with an independent insurance agency. Here are five benefits of working with an independent insurance agency.

1. Personalized Service

Insurers that work with independent insurance agencies typically employ agents who are well-versed in a variety of coverage options. These agents take the time to get to know their clients and understand their specific needs. This personalized service is not available at direct insurance companies. If you have questions or need help filing a claim, your independent agent is there for you.

2. More Affordable Rates

An independent insurance agency has the ability to shop around and find the most affordable rates for its clients. Direct insurance companies often have higher rates because they do not have the same negotiating power as an independent agency. When you work with an independent insurance agency, you can be sure that you are getting the best possible rate on your car insurance policy.

3. Comprehensive Coverage Options

Comprehensive coverage is important, and working with an independent insurance agency gives you access to more comprehensive coverage options. This type of coverage can protect you from a variety of risks, including fire, theft, and vandalism. Independent insurance agencies also offer unique coverage options that may not be available through other types of agencies. For example, some independent agencies offer flood insurance, which is not typically available through other types of agencies.

4. Responsiveness

When you deal with an independent insurance agency, you can rest assured that your wants will be met promptly. If you have a question or need help filing a claim, your agent will be there for you. Independent agencies are typically more responsive than direct insurance companies, which means that you will not have to wait weeks or even months to get the help you need.

5. Better Communication

Independent insurance agencies have a commitment to excellent customer service. This implies that your agent will be able to provide you with clear, on-time communication. You will never have to wonder what is happening with your policy or whether you are getting the best possible coverage. Your independent agent will keep you informed every step of the way.

From lower rates to more comprehensive coverage options, there are many benefits to working with an independent insurance agency. If you are looking for the best possible car insurance policy, be sure to contact us today.