UBC News

Why People Overpay for Insurance & How Independent Agents Help You Pay Less

Episode Summary

Shopping for insurance yourself means hours of forms and confusing quotes. Independent agents compare multiple carriers at once, saving you time and often money on coverage. To learn more, visit: https://www.alink2insurance.com/

Episode Notes

Here's a number that might surprise you. The average person spends around 15 hours just shopping for car insurance. Fifteen hours of filling out forms, answering the same questions over and over, and getting bombarded with phone calls from companies you've never heard of. And that's just for your car. Now think about adding home insurance to that mix, maybe some life insurance, perhaps coverage for a small business. You're looking at a serious time investment, and most people just give up somewhere in the middle of that process. They stick with whatever policy they already have, even if it's costing them more than it should. But here's what a lot of folks don't realize. There's a whole category of insurance professionals who do this comparison work for a living. They're called independent agents, and they operate completely differently from the agents you see in those TV commercials. See, a captive agent works for one insurance company. They can only sell you that company's products, regardless of whether those products actually fit your situation. An independent agent, on the other hand, holds contracts with multiple carriers. We're talking ten, fifteen, sometimes twenty or more insurance companies. That means they can pull quotes from across the entire market and show you options side by side. The process is pretty straightforward. You provide your information once, and the agent shops it around to all their carriers. Within a day or two, you get a breakdown of what each company would charge and what coverage you'd actually receive. No more filling out the same form on ten different websites. And here's the part that really matters. When you need to file a claim, an independent agent works for you, not for the insurance company. They advocate on your behalf when things get complicated. That's a significant difference from calling a 1-800 number and hoping for the best. The bottom line is this. You can spend your weekend comparing deductibles and coverage limits, or you can let someone who does this every day handle it for you. If you're curious about how independent agencies work and whether this approach makes sense for your situation, check out ALINK Insurance Services by clicking the link in the description to learn more. Alink Insurance City: Saratoga Springs Address: 463 Founders Boulevard Website: https://www.alink2insurance.com