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Does Using A Local Independent Insurance Agent Matter?

What Is A Local Insurance Agent

Do big-name insurance companies constantly bombard you with advertisements?

They certainly have billion-dollar budgets to do so. They really want your business. Sadly, many of them want to trap you only to their products and both of us know that the rates are going to go up and up and up. Others also want you to call a 1-800 number where the person on the other end may not understand the unique needs that a Texan has since they will be located in some place that is most definitely NOT TEXAS. So how do you change this? Or can you? Insurance For Texans can show you how to work with Texans and get the best coverage at the best price.

Why use a local agent?

Texas is a big state. That's an understatement, right? Think about this for a moment. You don't buy salsa from New York City, so why would you want to buy your insurance from there? Texans understand that Port Aransas is nothing like Amarillo. We also understand that Dallas-ites don't go to Houston unless it's on the way to the beach. And El Paso is closer to Los Angeles than it is Texarkana. With all this distance and climates, each family has it's own unique needs for coverage that only a Texan can understand. That's why using a local company like Insurance For Texans is important.

 

We have all grown accustomed to buying things off the internet. We never thought we could get our dog food delivered to our home, but it works! The problem is that things like homeowners insurance can be a confusing topic with all of it's optional coverage items and variations. How can you make sense of all the inner workings when even a single insurance company can have many variations of the same thing? Working with highly trained Texas agents can help you understand, compare, and adjust your coverage to meet the needs where you are! It can also make a huge difference when it comes time to make a claim as well.

So what does "independent agent" mean?

There is an old saying that when you're a hammer, everything looks like a nail. Insurance agents from the big well known insurance companies are what is known in as captive. That means that the only insurance policies that they can sell you are the ones offered by those big companies. They do not have any other options, and therefore cannot look out for your well being as a Fiduciary. That's a fancy way of saying that they cannot look out for your best interest if an insurance policy with a competing company is actually better for you because they cannot offer it to you. They are captive, or stuck, to only present one option. As those prices move up, the only way to bring them down is to take coverage away from you.

Independent insurance agents are aligned with many companies rather than just one. That means that they can adjust your coverage, policy type, or even company you are doing business with to make sure that you are properly protected at the best price. The independent agent can act in your best interest and look across the market place to find exactly what you need. They have a complete tool box to tackle the unique needs that all Texans have, and not just the ones that fit that small box.

Independent Insurance Agents work for you.

 

If you would like to learn more about the independent agents of Insurance for Texans, simply head on over to the About Us Page to see who we really are in real life. You will find pictures of real Texans that love helping others protect what matters most to them. If you'd like to see what services we can offer to you, our Services Page will give you a broader understanding of what kinds of insurance policies we can help Texans secure. No matter where you are in Texas, big or small, Insurance For Texans can help you protect. Don't hesitate to contact us today!