Recently, the Canadian Insurance Brokers Association launched a new television advertising campaign highlighting a reality that we often see on a daily basis: when people contact us for a car and home insurance quote, they want the best price in less than five minutes. In short, they want to save time and money. If that’s what you want too, in this article, Assurances Multi-Risques explains the benefits you can enjoy by contacting an insurance broker.
Agent or broker: who should you deal with for your insurance needs?
Have you ever calculated how much time you spend shopping for your auto, home, and business insurance yourself? Contacting multiple insurance companies to find the best coverage at the best price can be time-consuming and complicated, especially when you know that a broker could do it for you.
Less time
Yes, if you have to make more than one call to find THE right insurer, it means you are not dealing with a broker, but rather with agents. This is because a property and casualty insurance agent can only offer you the services of a single insurer and is employed by the insurance company that will compensate you in the event of a claim.
An insurance broker, on the other hand, can offer you products from several insurers and shop around for you. When you work with a broker, all you have to do is make one phone call! The broker will take care of the rest as needed. When you contact a broker, we also strongly suggest that you ask them how many insurers they can offer you quotes from for auto, home, and business insurance. Here is an article explaining the advantages of working with an independent insurance broker.
More savings
Contrary to what some people may think, contacting an independent insurance broker will often save you money, as they have access to a wider range of options than an insurance agent. In general, purchasing an insurance product directly from a company yourself will result in higher premiums, since the agent will offer you rates based on what is best for the insurance company and not for you, especially since they cannot offer you a choice.
Insuring with a broker: even more advantages!
Beyond not having to shop around for insurance, working with an insurance broker offers several other advantages. First, contacting an insurance broker means working with a business based in Quebec that offers personalized, local service. You will benefit from support, advice, and insurance products that are tailored to your interests, not those of the insurer. Your broker will also be able to assist you in the event of a claim to reassure you and, above all, defend your interests with your insurance company.
Never forget: an insurance broker has nothing to sell you! They actually shop around for your insurance on your behalf among the different companies they represent.
In conclusion, we know that life moves fast these days and that we are all busy. So it’s normal to be tempted to spend less time shopping for insurance and more time enjoying your hobbies. That’s why we’re confident that insuring with a broker is the right solution for you! But be warned, once you try it, you’ll be hooked (and you’ll quickly become hooked).