Why Use An Insurance Agent?


Cross Financial Investments and Insurance d/b/a Affordable Insurance
Insurance Agent
Giving advise to ensure the customer is given the proper coverage.
837 East Currahee Street
Toccoa,Georgia
30577
US
Phone: 706-297-0009
In this day and age there are plenty of “direct writer” insurance companies out there such as Geico and Progressive with catchy commercials that grab our attention. These companiess “cut out the middle-man” by selling direct to you, rather than through an agent. However, while you may think you are saving money by going direct, that typically isn’t the case. By dealing direct, you take on a level of risk that you may not realize even exists! You may be setting yourself up for potential lawsuits and loss of property without even knowing it!Why have a local Affordable Insurance agent? The insurance agent is actually your legal representative – your agent – to the insurance company. The agent is licensed by your state and carries with them the fiduciary responsibility to be your advocate. They must put your interests first over and above their own, or the insurance company. Even though the agent is paid by the insurance company, they work for you.

An independent agent at Affordable Insurance Agency has plenty to offer:

  • Affordable Insurance Agents have the ability to quickly check prices and coverages with dozens – and depending on the product- hundreds – of different insurance companies. Why spend 15 minutes to get one quote? Call your local Affordable Insurance Agent and in 15 minutes get a quote from multiple companies saving you time! Since rates vary widely a local independent agent can very likely get you a better deal than you can get for yourself. Affordable Insurance Agents can even get you insurance from a ‘direct writer’ like you could get for yourself.
  • Affordable Insurance agents are a one-stop-shop for all of your insurance needs. An Affordable Insurance agent doesn’t sell just auto insurance. Our agents sell homeowners, renters, health and life insurance, business insurance etc. Use our experience and guidance – at no cost to yourself – to handle all of your insurance in one place. Affordable Insurance has agencies throughout Northeast Georgia. Our home office is located in Toccoa, Georgia. Although we represent clients in the states of Georgia and South Carolina we pride ourselves on the relationships we form with our customers. Unlike a phone representative who is paid by the hour and likely has hardly any training to help you make the correct decisions, our agents understand how valuable your business is to our success.
  • Insurance is a complicated subject. Its an insurance agent’s business to understand it, and communicate it to you so you understand it as well. In almost all cases an ordinary consumer will benefit from having someone who deals with this subject for a living advise them on a 50+ page contract. If there are any hidden surprises, a licensed agent is the one equipped to know where they are. Even if you understand insurance thoroughly you can get tripped up: 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 on closer examination things work a bit differently (very differently, in some states).
  • Coverages don’t just vary from state to state … they vary from company to company within the same state. Many companies use what are known as ‘manuscript’ policy forms (form = contract in insurance jargon). These forms don’t necessarily use industry-standard wording and may contain altered 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 above is the good news with regard to what an Affordable Insurance agent can do for you. What about the bad news? Even the bad news has some good news inside of it for the consumer: If an agent makes a mistake (such as selling you an insurance policy that is supposed to meet your needs but doesn’t), that agent may well be liable to you for malpractice; something known in the industry as Errors & Omissions. Your insurance agent has an Errors & Omissions insurance policy, just like a surgeon has a malpractice insurance policy. Your lawyer can file suit against the agent – and their malpractice insurance – to recover damages you suffer as a result of a failure to act properly in your interests. Its no fun to think about for the agent or the consumer, but as unpleasant as it is for all concerned, this is a layer of protection that a consumer enjoys when working with an Affordable Insurance agent.

What problem do you create when you go direct? You have no licensed, regulated insured agent acting on your behalf. You are now taking full responsibility for your coverage decisions, and for any mistakes you may make. No more safety net. Your local Affordable Insurance agent has had the proper training to ensure you get the proper coverage that will protect your assets. Why risk going direct and having the risk of loss without the proper coverage?

There is nothing wrong with direct-writer insurance companies. However, if you deal with an Affordable Insurance agent, there are certain services and protections you are going to get that a direct-writer insurance company simply do not provide. Take a few minutes to fill out our quote forms for a quote over the web, or call us at 706-297-0009 for a quote over the phone. We appreciate the chance to earn your business.

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