Should I have full or limited tort, stacking or no stacking? What exactly is Uninsured & Underinsured coverage? How much Liability coverage is enough? When shopping for insurance, a person might feel very overwhelmed and confused. That’s why working with an independent agent can be very beneficial.
Types of Insurance Agents
There are generally two kinds of insurance agents, an independent agent and a direct agent. Captive Agents only represent one company and are limited to their companies products. There are also Direct Writers such as Geico or Safeco, who write directly from the company. They also only have access to their own company’s products. Independent Agents on the other hand, represent many insurance companies at once. They have the ability to shop for the best possible rate and coverage to fit your needs.
Shopping for insurance should not be taken lightly. It protects your most valuable assets! It is important to know what you are purchasing. Independent agents can help you with a number of things.
- Understand insurance terms and answer your questions
- Find coverage to fit your individual risks and needs
- Shop different companies to find affordable rates
- Assistance with claims
- Meet with you face to face and establish a personal partnership
Finding an Agent
Barrick Insurance is an independent agency ready to assist you with your insurance needs! We wish to establish a successful partnership with our clients and companies, respecting their interests and goals. For help with your insurance needs give us a call today at (717) 632-7270.