7 REASONS AN INDEPENDENT AGENCY IS THE PERFECT FIT FOR YOU
From auto, home and life insurance to the complexities of covering a business, searching alone for insurance coverage that fits you and your unique needs can be a confusing, frustrating burden. Rates go up without reason, claims come when they’re least convenient, and reading your policy can sometimes feel like staring into a swirling bowl of alphabet soup. Adding to the confusion are all the mega-brand coverage providers barking at you from every commercial break, billboard and online banner with promises of vague special discounts and competitive rates.
So what’s a busy individual like you supposed to do?
Some people simply pick the brand they know best—usually a big national insurance company with bottomless marketing budgets—either because their friends and family use them or because their advertising is familiar, well-made and convincing. After all, it seemslike most coverage companies are the same, so why not just pick one at random? But what most people don’t realize is that insurance doesn’t have to be a guessing game. Nor does it need to be a long, arduous slog of scouring website after website to find the actual lowest rate. In fact, there’s an option that’s so simple it might surprise you:
An independent insurance agency.
What’s an independent agency? We’ll cover a lot of that below, but stated as simply as possible, it’s a local insurance office that provides policies from a multitude of companies rather than just one. What makes that such a big deal? Well, let’s go over a few of the biggest reasons:
YOU GET ACCESS TO 50+ COVERAGE PROVIDERS IN ONE SPOT
What if someone went to the store for you and found the best deals on exactly the things you need while you relaxed in the comfort of your own home?
That’s basically what an independent agency does. Only, instead of groceries or clothes, we browse aisles upon aisles of quality, top-rated insurance providers to find you the best price on a policy that meets your exact coverage needs. Rather than re-entering your information into a dozen different quoting sites, you just answer a few questions for us and we do the rest.
Imagine the time and money an independent agency like Rupp-Fiore Insurance can save you with a roster of over 40 available national and regional coverage providers (including big name brands like Travelers and Progressive).
It would take months to shop that many carriers one-by-one on your own.
YOU GET LOWER, MORE COMPETITIVE RATES
Because independent insurance agencies aren’t obligated to sell just one company’s policies, they can offer you quotes on policies from a variety of companies, each with its own policyholder preferences and rating methods. Things like past accidents, bad credit or youthful drivers are less of a liability with some companies compared to others, and will therefore affect your premium less. Likewise, some companies have policyholder preferences others don’t.
So, in short, coverage providers can be as unique in their rating methods as the people their policies cover. Finding that perfect fit between insured and insurer is what independent insurance agencies do every day.
YOUR RATES STAY COMPETITIVE YEAR-AFTER-YEAR
Independent insurance agencies aren’t a one-and-done deal. Each year, your policy can be reviewed and re-quoted with that same massive (and growing) list of available carriers to see if there’s a better updated rate than the one you received with your policy renewal.
YOUR COVERAGE CAN ADAPT TO CHANGING CIRCUMSTANCES
When it comes to life, change is inevitable. Even if you stay claim-free, there are still a multitude of natural life-changes that will affect any policy throughout your life. Your age, marital status and credit score are just a few of such factors that can make your rates go up or down. And the tricky thing about insurance is that each coverage provider rates those various elements differently. But with an independent insurance agency like Rupp-Fiore Insurance, we can stay on top of which coverage provider fits you best year-after-year as those factors evolve, and move you to different insurers as needed.
YOU GET YEAR-ROUND SERVICE & ADVICE
We don’t just sell you a policy and disappear. We help with billing and policy changes too. If you have a claim, we help through the entire process from start to finish, acting as a liaison between you and your coverage company. And anytime you need advice or have a question, we’re just a call, text, or email away. You're welcome to stop by the office too--the coffee's on us!
YOU GET AN EXPERT AS A PARTNER
Say goodbye to overseas call-centers and faceless service reps. With an independent agency, you’re partnered with a single dedicated insurance expert who will get to know your policy and insurance needs better than anyone. As they get to know you, they’ll help you better-understand your policy so you can make the best decisions for you and your loved ones.
IT’S COMPLETELY FREE
All you do is pay your usual premium, and we handle the rest at no additional cost to you.