Recently, you may have noticed (or even answered) a survey from Vargas and Vargas Insurance called “Help Me Help You” where we asked for your insurance questions. Well, we have collected all of the questions that were submitted and will start answering some of them here on the blog! The first question that we will tackle is a general insurance question from Terry:
Won’t I save a lot of money if I go directly to the insurance company? I see tons of ads on TV. Why shouldn’t I go directly to Geico, or Allstate, etc?
Selling Insurance – Then and Now
It used to be that insurance companies didn’t sell their policies directly to the public. At that time, an Independent Agent was the only way to get insurance. As insurance providers began to write their own policies and online purchases became popular, the independent insurance agencies never disappeared – they still offer many benefits that you can’t get otherwise.
Benefits of Having an Independent Agent
In most transactions, a “middle man” is something that you want to avoid at all costs, and buying directly from the manufacturer will save you money and hassle. In the insurance industry, though, this isn’t true! Here are a few facts regarding the benefits of purchasing your insurance coverage from a third party:
- Independent agents are able to get quotes from dozens of insurance providers. Instead of you calling around to check coverage and prices, a Vargas and Vargas Insurance agent can do all the legwork for you, and then help you choose the policy that’s best for you.
- Stay organized by having an independent agent handle all of your insurance policies – home, auto, life, business… Vargas and Vargas Insurance Agency is a one stop shop for all of your insurance needs.
- Insurance is complicated. A licensed independent agent can help you wade through all of the confusing jargon and will alert you to any potential issues that they identify. An independent agent doesn’t work for an insurance provider – they work for you! It is their job to ensure that you get the right policy, not the one with the largest commission.
- Insurance providers are often nationwide. That means that they work with people from all 50 states. When each state has its own insurance laws and requirements, doesn’t it make sense that you should work with a Massachusetts insurance expert? Vargas and Vargas Insurance Agency only writes insurance in Massachusetts, so we know what our local clients need when they’re looking for a policy!
If you’re looking for an Independent Agent in Massachusetts, give Vargas and Vargas Insurance Agency a call at 617-298-0655. Our agency has been serving residents of the Greater Boston area since 1986, and we are committed to providing our clients with the policies that they need, as well as insurance education, and much more.
For answers to more insurance questions from our “Help Me Help You” survey, including questions about home insurance, auto insurance, flood insurance, business insurance, and much more, stay tuned to our blog!
