Insurance Agent vs Insurance Company, which is best for you? First of all the independent local agents are that…local. You will probably know your insurance agent. The benefit of this is that the agent will be familiar with your life style, which is an important factor in tailoring your insurance program so it is perfect for you. A local agent will know the exposures in the area and be able to best protect your personal property and family in the event of a loss. As a local agent, we are accustomed to the Massachusetts Registry of Motor Vehicles (MA RMV) guidelines, processes and fees. We can also go to the registry for you…and we do not charge!
Local agencies also have the benefit of having walk-in services. You can come visit us and sit down to talk about your policies or claims. When you call in to our office during business hours you will always get a person answering your call, never any prompts or machines.
The added benefit of an agent is that we can match you with an insurance company that most closely fits your insurance needs. Independent agents offer many different companies to write your insurance through. Every person or household has different exposures and there is a company out there that focus on your unique exposures. With the large insurance companies they only offer their own insurance, which may not fit your needs perfectly.
As independent agent, we work for you rather than as an employee of one particular company. So our interests are on our customers, not on making a parent company happy.