Work With A Minnesota Independent Insurance Agent
Maybe you’re looking at the budget for your business and wondering whether you are overspending on insurance premiums, or perhaps you have just started a business in Minnesota and don’t know where to start with getting coverage. Of course, comparing insurance rates is your best option, but finding the extra time in your already busy day as a business owner can be challenging. This is where an independent insurance agency can help you!
You are not alone if you are unfamiliar with what a local independent insurance agency is or what they do. It may be hard today to think that contacting someone is more accessible than clicking a mouse and simply using your computer for everything you may need. However, you will be surprised how much a local independent insurance agency can help you.
What can an Independent Insurance Agent Do?
How are independent insurance agents different? To keep it very simple, an insurance agent sells insurance policies and coverage to interested consumers. However, If we only consider a Minnesota independent agent as another salesperson, we would be selling them very short.
There is a lot of time and dedication to the industry that goes into knowing about auto, home, and business insurance. Let alone being able to match a customer with the best coverage for their needs and budget and also understanding the specific needs of folks that live in Minnesota and the midwest.
What is the Difference Between A Captive Agent and an Independent One?
A captive agent is simply someone that can only sell insurance from a specific insurance company. Progressive may have great rates but cannot sell you a policy from another insurer. This may lead to overspending or making you fit into a policy you may not need or want to pay for.
Independent Insurance Agents
An independent agent can do what a captive agent cannot, which is work with various insurance companies. They can get quotes for many insurance options that fit your unique needs. Local independent agents in Minnesota know exactly what you need because they are members of your community and have the knowledge and experience to help you make the best choice for your business and family.
Why Choose an Independent Insurance Agent
First of all, you have nothing to lose by getting a free quote, and it might save you so much time and money. You might be shocked at everything your local Minnesota agency can do for you.
They Know Minnesota
When you get a captive agent, they may not have all the knowledge they need to help you make good decisions about Insurance in Minnesota. They deal with many areas of the US daily, which is a lot to account for. This abundance of knowledge about policies over location may cause a policy-first approach to getting insurance instead of a customer-first approach.
A local independent insurance agent will know your area of Minnesota or Wisconsin. They will know your local laws on compulsory insurance for your personal or business policies. Compulsory insurance is insurance that must be legally owned to do an activity, such as auto insurance and driving a car. Other types of mandatory insurance may include workers’ compensation and professional liability insurance.
Local independent agencies like Hermann Insurance care about your community. They are involved in your chambers, such as the North 65 Chamber, The Rush City Chamber, or The North Branch Chamber. They care about local charity also, help out with local events and make opportunities to give back to Rush City, Chisago, North Branch, and Isanti.
The Time You Save For The Right Coverage
Unfortunately, you’re probably right if it sounds too good to be true. Unfortunately, no one insurance company can be the best and the least expensive, especially with so many different types of coverage. There are too many variables when comparing life, car, and business insurance coverage.
It is crucial to compare rates and know some factors that go into coverage, such as age, marital status, location, and business type. The time it takes for someone unfamiliar to go through the whole process with each insurance company could take days of your time away.
You may have guessed it, but local independent insurance agents have the time and resources to make this process easy. You can turn dozens of calls and website forms into a single conversation with one agent! They are happy to do the work for you to get the best quotes for you to choose from. You will get the right coverage for the right price, and the time you save could be priceless.
Independent Insurance Agents Care About You
Independent insurance agents work for you! They know that an insurance company that works for one person may not work for another. Think of it as someone looking out for you, your family, and your business. They will not recommend anything that doesn’t work for you.
They are familiar with insurance companies you’ve never even heard of before, and they can explain policies in a way anyone can understand. Not only that, but they will advocate for you when choosing and help you if you are having difficulties filing a claim. It may save you phone calls and waiting down the road when you have questions about your policy to have an agent on your team.
The best part of working in the community is that your agent knows you. They know your family and your business because they live and work in the community. They will be able to stay in line with you and what you may need because they take the time to come to your business or get to know your family. They want to see you succeed and have what you need to be correctly insured.
Talk To A Minnesota Independent Agent Today
Don’t waste your time wondering when calling us here at Hermann Insurance is free. The name of the insurance game is to compare quotes, and we have the time and passion for making sure you get what you need at the right cost. We promise to give you expert and unbiased advice because we are your neighbor and want you to succeed in business and life.
We want what is best for you, and we can start working for you as soon as today!