You have choices when determining where to purchase your auto and home insurance. A lot of choices! Every time you turn on the TV, there are clever commercials on every station. As you drive up the road, there are billboards with insurance ads. Every company from your captive brands to the online and 1-800 numbers — and then there are your local independent insurance agents.
When you call an independent insurance agent, that agent represents multiple insurance companies. They can compare companies, coverage and price. How is that for service?
For the most part, insurance companies offer the same core coverages and have very similar wording in their policies. But there are nuances. As a consumer, do you want to read every policy to make sure you are getting the one that is best for you? An independent insurance agent will get the right policy for your needs at the best premium and take all the leg work out for you.
Captive agents are not bad, but they only offer one or two options. If you don't fit their model, they may not offer you the best price or coverage at all. The Online and 1-800 options are getting more and more popular. But if you have a problem, you don't have someone you can go to locally for help. You are stuck calling 1-800 numbers and talking to a different person every time you call in.
Looking for Auto or Home insurance? Do you have special needs — a diamond ring, for example — you want to make sure are covered for any reason? Do you have a classic auto or a specialty vehicle — such as an RV or motorcycle or boat? Those may not be covered best on one policy. Your independent insurance agent would know how to insure them best. Do you rent where you live or own rental properties? We can help insure those too.
What is liability? What limits of liability should you choose? What is Full Coverage or Liability Only? A local independent agent can help explain all this to you and make sure you have the right amount of coverage for your needs at a price that fits your budget.
Call a knowledgeable agent at Select Insurance, LLC at (864) 964-0622 or contact us online. And of course, you can stop by any of our three offices in Upstate South Carolina. Our offices are in Abbeville, Anderson and Honea Path.