Insurance companies may all seem the same on the surface and for a lot of reasons that is true, because they all offer insurance. The same question could be made among fast food restaurants, right? You have a dozen choices to find a meal in less than five minutes, but you have your favorites. Same with insurance. Each insurance company takes a unique approach to the way that they offer this essential service, with different discounts, different ways of pricing their services, and different approaches to customer service and incident response procedures. Finding the one that does all those things in the manner that suits your needs is the key.
At the heart of the differences is price and service. How much do they charge for the coverage and service they offer? You may find two companies that offer the same price for the same coverage, but processing a claim may be an entirely different experience between the two.
Internet-based vs. brick and mortar
Internet insurance companies offer a convenient way to shop and are on the rise. Although convenience is important, so is having and experienced agent to call when you have an issue or to address questions. When dealing with an internet company you will be at the mercy of the person working, and may end of having to explain your issue multiple times.
Discounts and bundling
A savvy insurance comparison shopper knows that almost every insurance company offers some sort of discount for things like being a full-time student, having a safe driving record, having anti-theft devices installed, and more.
There are generally two schools of thought when comparison-shopping for insurance rates: choose a smaller company and perhaps get a lower quote, as these companies are more flexible in their ability to save customers money. The second school of thought prefers to choose a large, national insurance company that can offer discounts for bundling services together.
Service matters
One thing is true no matter the price: service is important when choosing an insurance company. A low price is only as good as the agents or customer service representatives who will help during an emergency, and an affordable policy is only as good as the speed with which it gets a driver back on the road or a homeowner back in their home.
Using an independent insurance agency
One key advantage of an independent insurance provider is that we are not beholden to any one company. We can help you do the shopping and the comparison. We represent many insurance providers and can find the right coverage at the right price with the best level of service. Interested in learning more? Contact us today.
To learn more about how Provident Insurance is different, contact your independent Provident Insurance agent. We serve Plainfield, Greenwood, Avon, Brownsburg, Indianapolis, Carmel, Zionsville and the entire central Indiana area. Stop in one of our convenient locations to discuss your insurance needs today.
