What Is the Difference Between an Insurance Agent and Insurance Broker? (Which One Is a Better Fit For You?)
Having the right insurance coverage - for everything from your home to your car - is incredibly important. Having someone to help you find the right policies can be nearly as important, but knowing who to turn to can be a weighty question. You have probably heard the terms “insurance agent” and “insurance broker” thrown around interchangeably. This can be very confusing, because in actuality, they are not the same - though it is easy to mix the two up. An insurance agent works directly with you, while a broker acts as a middleman between the client (you) and the insurance company.
Why It Makes a Difference
So, you may be wondering, does this really make a difference? Actually, it can make a huge difference for you. An insurance agency advocates for you, working to find the right coverage for your circumstances, while an insurance broker is working between you and multiple insurance companies - which means that you might not get the individualized care that an insurance agent could offer you. You deserve to have the best fit for you, and you want to have access to the policies that benefit you most. An insurance agent can help you with that. When it comes down to it, you want options and personalized care. Too many areas of life require you to take a number and get in line, like you are not a human being with a unique story, and this should not be an area of your life where you are treated like a number. That is one of the reasons why working with an insurance agent can be so beneficial - you get to be treated like a unique person.
What Is the Best Fit For You?
While you can use either and end up with an insurance policy, you need to ask yourself what is it you are trying to accomplish. Why have a middleman going between you and the insurance company when you can have an insurance agent looking out for your best interests? The fact is, searching for the right insurance coverage for you can be stressful without someone to guide you through the ins and outs, and an insurance agent can help you navigate those waters.
Personalized Coverage That Is Right For Your Lifestyle
If you want to have more hands-on attention, having an insurance agent is the way to go. An insurance agency, such as Cobos Insurance, works with many insurance carriers, so they have the ability to help you find what works for you. After all, your best fit may not be the same as your neighbor’s, and you should not have mediocre coverage when you can have the right insurance protection for your situation! Settling is not the way to go when you can get the coverage you truly deserve, and that is something to always keep in mind. The agency will also review your needs rather than placing you with the lowest cost option, you never want to pay for coverage that you don’t need.
Getting the Coverage You Need and the Treatment You Deserve
What really matters is that you get the specific coverage you need - and the treatment you deserve. You should never be treated as a number or a job; you are an individual with individual needs, and that should always be taken into account. An insurance agent can not only help you find the insurance policies you need, he or she can help clarify things when you have questions and make the whole process less complicated for you. It is well worth having a helping hand when it comes to safeguarding your cherished property, and you may find it saves you some major headaches down the road.
You deserve to have someone advocate for you and your needs. Here at Cobos Insurance, we understand how important that is to you, and we believe that you deserve to have the coverage that benefits you the most. Call us at our Avon Lake office at 440-933-5223 or at our Elyria office at 440-324-3732; contact us today and we can talk about helping you find the right insurance policies for you and your unique lifestyle. You deserve the best!