5 Little Known Ways Your Insurance Agent Can Help You

What is the job of an insurance agent? What do you think they do every day? Do you think they are mainly salespeople with goals and quotas to meet – just selling insurance to anyone who will buy it? That isn’t entirely true.

While it may be their job to sign people up for insurance policies, the good ones have an ultimate goal and purpose to support people who need insurance and want some help throughout the entire process.

Insurance is a headache. Let’s not skirt around that fact. 

However, qualified insurance agents can make it simple and stress-free so you can get the coverage that you need without the hassle.

Let’s discuss five ways in which an insurance agent can help you – that you probably didn’t know about.

1. They Will Find the Insurance Policies You Need

Sometimes you don’t always know what kind of insurance coverage you need until it is far too late – and you end up paying hundreds, or even thousands, of dollars out of pocket. 

It would be a hard lesson if you learned that an insurance company could have possibly covered all of the costs of your recent incident.

Insurance agents can tell you anything and everything about what is covered and what isn’t. They can help you to decide on the perfect policy for your specific needs. If you have a car, a motorcycle, a house, a boat, a business or a property, and so on – the list goes on and on. They will show you the benefits of each policy so you have all of the necessary information to make an informed decision about insurance coverage across all of your valuables.

2. They Will Break Down Your Policy for You

If you’ve taken the time to read an entire insurance policy, you’ll know it isn’t a quick read – nor is it an easy one. Each contract is full of redundancies and legal jargon in order to fully protect the insurance provider who wrote it. 

This doesn’t give a good feeling to someone who is looking for insurance, especially when they desperately need it. The only way to be approved for a policy is to sign on the dotted line, whether you read it all or not. It might make you feel trapped.

You should not be expected to read hundreds of pages of an insurance policy and decipher what every line means. The good thing for you is that there are exceptionally qualified insurance agents that love reading and understanding insurance policies, and they are ready and willing to go through it all with you. You just have to ask.

A large part of what an insurance agent does is ensure that the people they’ve given policies to also completely understand what coverage they’re paying for, whether someone chooses to pay month to month, every six months, or once a year.

When something is so necessary in life, you should know what you’re getting into.

3. They Can File Claims on Your Behalf

When something bad happens to your home or car or anything else in your life, you tend to ask two important questions. The first question is, “Is my family okay?” The second is, “Will my insurance cover this?”

You purchase insurance for those unfortunate times, even though you never expect that you’ll need it. When you do though, you’re always extremely glad you decided to pay a little extra for coverage.

When it comes time to file a claim after an incident, you want to make sure you have all of the information about what happened so you can get the most coverage. You also want to set yourself up to be approved for coverage.

This may sound difficult, and if you aren’t sure how to fill out the claim forms, you may need a little help from a friend. In times of great stress like this, it is best to talk to your qualified insurance agent who has been through it all before. They can help you fill out the claim with everything that is required and they’ll explain everything to you along the way.

4. They Can Pick and Choose Carriers

Independent insurance agents have more freedom than agents tied to specific companies. 

For example, when you go to Progressive or Geico, you can only get plans from those respective companies. A Progressive insurance agent isn’t going to say, “We don’t currently offer policies with those prices, but if you head over to Geico, they can help you. Let me give you the number.”

You would never get that kind of one-stop-shop treatment from one insurance provider.

On the flip side, if you choose to work with an independent insurance agent, they have access to many, if not all, insurance companies and coverages. They can be your one-stop shop to find a policy that fits within your budget.

They’ll also be honest about which ones are best for you – and which ones aren’t a good fit.

That kind of service and freedom can be hard to come by.

5. They Offer Bond Options

With that kind of freedom, independent insurance agents can also provide more than insurance policies alone. They also offer bond options.

From bid, performance and payment surety bonds, to license and permit bonds, to court bonds, they can meet all of those needs for you.

Not all insurance agents provide this service. 

What if you could get your bonds taken care of at the same place that you get your insurance? Again, that one-stop shop treatment is a nice perk to have – especially from an insurance agent that cares.

Get Help from a Qualified Insurance Agent

Independent insurance agents in Oklahoma are valuable people to have on your side. For all of your insurance and bond questions and concerns, they can help guide you through every process and get you exactly what you want and need.

Are you ready to find affordable and reliable insurance? Brian Kennedy’s team has provided auto, life, recreational, homeowners, business insurance, and surety bonds for four decades. The agency works with several insurance companies to select policies that fit your needs. Whatever you need for life or business – Kennedy Insurance Agency has you covered.

If you would like to speak with an insurance agent in Oklahoma, reach out and they can provide fast and easy quotes as well as answers to all of your insurance-related questions. 

Gain complete peace of mind and confidence as you work with an insurance agent that truly wants to support you.


111 SE Frank Phillips Blvd
Bartlesville, OK 74003