Why Work With an Independent Insurance Agency


Harford County, Insurance Agency, Baltimore County, Auto Insurance

OK, maybe we’re biased here because Dean Insurance is an independent insurance agency, but we think there are a number of reasons why you should work with a local insurance agency rather than some faceless conglomerate.

You may think you’re saving money on auto insurance or homeowners insurance by dealing directly with the insurance company, but that isn’t always the case.  Our rates are competitive with the direct writers and often lower than those big guys who spend billions to advertise on TV. Working with an independent insurance agent saves you the time of calling dozens of different companies for a quote, and because of our industry knowledge, we can save you time and money in the long run.

Specifically, working with an independent insurance agency has several benefits:

  • Insurance agents have the ability to quickly check prices and coverages with a number of different insurance companies. Not all insurance companies are created equal. One company may have very competitive rates in rural areas but not so great in town.  Another may have great rates for singles or older folks but may be a poor choice for a family with teenage drivers. Rates can vary widely depending upon your individual circumstances and an independent insurance agent will know where to look for the best value and coverage.
  • Independent insurance agencies are a one-stop-shop for all of your insurance needs. We don’t just sell auto insurance.  We also sell homeowners, renters, health and life insurance, business insurance etc. Use us – at no cost to yourself – to handle all of your insurance in one place.
  • Insurance is a complicated subject.  It’s our business to understand it and communicate it to you so you understand it as well.  In almost all cases, you, the consumer will benefit from having a professional who deals with this subject for a living advise you on a 50+ page contract.  We know where to look in your insurance policy for hidden surprises.  The industry is regulated on a state-by-state basis.  Move from one state to another and you’ll find that the coverages may look the same at first glance, but a closer look shows things work a bit differently.
  • Insurance coverages don’t just vary from state to state … they can vary from company to company within the same state. Some companies’ policies may contain provisions that materially affect you in some way… some unknown way if you don’t have an expert advisor who is already familiar with a particular policy’s quirks.

The importance of using an independent agent cannot be over-emphasized.  Insurance contracts and insurance laws are complex and change periodically.  Licensed insurance agents are professionals who must pass a rigorous licensing exam and successfully complete 26 hours of Continuing Education every two years in order to maintain their licenses and keep up with policy, industry and regulatory changes.  Buying insurance without an independent agent is a bit like being your own lawyer without a law degree.  It might be OK if nothing goes wrong but when the unexpected happens, you need the peace of mind that comes from knowing your protection plan was designed by a professional.

Contrast that to buying directly from an insurance company. With no regulated, licensed insurance agent working to protect your interests, you are taking on full responsibility for your coverage decisions and for any mistakes you make. No safety net.  Standing over the smoldering ruins of what was your home or reading over a freshly served law suit is not the time you want to be wondering whether you should’ve used a professional independent insurance agent.

Now, don’t get us wrong. Plenty of people buy insurance online or over the phone from the big direct writers with cute mascots and multi-million dollar advertising budgets.  We just think you get a better policy at a better price, with better service from an independent insurance agency owned and staffed by people who live and work in your community.

If you’re in the market for auto insurance, homeowners insurance, business insurance, life insurance or any other type of insurance coverage, give the independent insurance agents at Dean Insurance Agency a call today at 410-838-3700. We work with homeowners and business people throughout Harford County, Baltimore County and Cecil County Maryland. We work for you, not the insurance company.

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