Many people don’t know how to buy insurance. They see the commercials on TV, call the 800 number, and get sold something they don’t understand from 1 company without getting competitive pricing. Then when they have a claim, they call the 800 number, talk to someone new, and don’t have anyone to get advice from. We’re going to explain the 3 ways to purchase personal or commercial insurance.
Directly with a company. This is when you call an insurance company directly, speak with one of their employees who is generally in a call center, and purchase your insurance over the phone. Some of the companies that sell directly are Geico, The General, etc.
The other 2 options are through an agent.
From a captive agency. This is an agent that only represents one company, but are not employees of that company. They are usually local. The generally quote your insurance with company and can meet with you or you can visit their location. Some examples are State Farm or All State.
From a Independent Agency. This is an agency who represents multiple insurance companies. Meaning you can have one meeting or call and get proposals from a number of different companies. Not all insurance companies can help every client, but an independent agency usually has access to a company that can help you with any need. Independent agencies are usually local and have a staff that can help both commercial and personal clients.
There are some companies that offer insurance in more than one of these routes. An example is Progressive. You can purchase insurance directly from Progressive over the phone or you can purchase it from an Independent Agent. With an agent you can have local advice from someone who doesn’t work directly from the company and you usually get the same price. Why buy from an 800 number when you can buy from a local agent?
McGroarty & Bradburn Insurance is an independent insurance agency representing over 25 different companies. We’re able to shop the market for you and find you the best coverage and price. If you want to see our staff and contact them directly you can visit, Meet Our Staff
For more information or to get quotes, call 412-444-4470. You can also complete one of our secure quoting forms from our website, www.mbbinsurance.com
We make insurance simple by doing the work to find the right coverage at the best price, saving you time, money and providing peace of mind.