Because independent insurance agents are basically brokers of insurance, they can offer you insurance policies from many different companies. This allows them to help you find a policy that is the least amount of money for the most amount of coverage.

As an example, let’s say you’re shopping around for car insurance. Because a Massachusetts independent insurance agent can write for multiple companies – sometimes one or two, but many times as many as ten – they will submit your information to get a quote from all of those companies. The more options you have, the better, because you will be able to choose the policy that will save you the most money.

Once they receive the quotes (which most often is instant!) they will review all the potential policies with you. They will go over the types of coverages available, the limits of coverage, and the price. They will also apply any discounts that you qualify for.

You will know that you are getting the best coverage for the best price when you are able to compare many policies with an agent. Plus, your agent is your customer service agent too – so no more waiting on hold for a call center to ask any questions you have!

Direct write companies, however, only have one option for you. They market only their own policies to the consumer. So when you call a direct write company, they can only give you one quote for the policy that they write, and that is the only price you will see.

When calling a direct write company, they will first ask you what kind of insurance you’re looking for. They’ll take your personal information and enter it into their software, which will spit out a price for you. That’s the price – that’s the only option. And a lot of times the person on the phone will not review any options for different coverage with you, so you won’t always know if that’s the best policy you could have gotten.

Also, a lot of times these companies have you go online and choose your own policy, without any help from someone who is an expert to show you what the best coverage would be to protect yourself.

In contrast, a Massachusetts independent insurance agent has to be certified through the state to make sure they can help advise you what coverage you should choose in order to protect all of your assets.

Knowing what all of your options are for insurance is the most important thing to know. When you work with a direct write company, you don’t have any other option but what they offer. When you work with an independent agent, you will have a lot of different options – and you will save money and time. In doing your research, working with a Massachusetts independent insurance agent will help you find the best insurance for your needs.

For more information on a Methuen MA Insurance Agent, contact Tricia Lawler or Trudy Lawler at Michaud Insurance Agency and they can give you all the information you need about Massachusetts Insurance.

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