For my first real post I want to speak write a bit about being an independent insurance agent.
This is a topic near and dear to my heart, as I started my insurance career as what’s known as a captive employee of a large, national insurance company.
To put it mildly, I was displeased with the business model. Don’t get me wrong, I got licensed and got some excellent training and sales experience, but in the end it just wasn’t for me. However, I just had this thought in the back of my mind that it wasn’t insurance that was wrong for me, but the particular system of the company I was with.
But I digress, my point is not to complain about the past, but rather to explain why I believe the independent agency model is superior.
1) I do not exclusively represent any individual companies.
Since I am not an employee of a company, I am not beholden to any of them. They all get equal opportunities to provide the best combination of coverage and price for the individual customer. In other words,
My first obligation is to my client, not the insurance company.
This means I pair you with a company that represents the best value for you (usually, but not always the cheapest). I am not required to insure you with any specific companies as a condition of my employment.
2) Choices, choices, choices.
No single insurance company represents the best option for every individual client. Some companies handle clients with awful less than stellar driving records better than others. Some companies are better for families with teenage drivers. Some companies offer much more robust coverage for your home at better prices than others.
All companies underwrite risk and structure their prices differently. We can check several companies to find the one that fits you best.
Additionally, if for some reason a particular company no longer works for you we can find a new one. This allows you to remain with the familiar faces at The Fuller Agency (of course this is only a benefit if you like us!!).
These are just a couple of benefits to working with an independent insurance agent. I’ll likely post again on this topic in the future. Until then, thanks!
