Insurance Agent

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Insurance Agent

We take the time to understand your unique needs and circumstances, ensuring that the insurance solutions we provide are tailored to your life, your assets, and your aspirations. Our expertise, independence, and commitment to your well-being set us apart in the world of insurance. The Allen Thomas Group Insurance Agency . So, why choose The Allen Thomas Group Independent Insurance Agency? Because when you choose us, you choose more than just policies; you choose a future filled with security, confidence, and peace of mind. Get started today and let us be your beacon in the world of insurance. Your peace of mind is our mission. Contact us now and unlock the peace of mind you deserve with The Allen Thomas Group – Your Trusted Independent Insurance Agency.

On top of personalized customer service, an independent agent can use their knowledge of companies and policies to steer you in the right direction. Most independent insurance agents work strictly on commission, which means they get paid a percentage of the premium amount for your insurance. In those cases, it is in the agent’s best interest to keep their clients happy. Independent insurance agencies can work with all types of companies, ranging from smaller insurance companies to major ones, like The Allen Thomas Group.

One of the major benefits of working with independent agents includes getting many quick quotes from multiple insurance carriers. If someone is shopping for insurance, independent agents are a great place to start checking out policies because they can check several different companies’ rates all at once. The more companies checked equals the greater chance of finding the best rate for you and your family. The time-saving factor is huge because a prospective policyholder only has to provide their information one time. Independent agents and insurance brokerage companies both take the sales approach of representing the customer first and offering a variety of products from different insurers; however, insurance brokerage companies are typically larger than independent insurance agencies. Additionally, brokerage companies may be either independent or captive. Independent brokerages are not affiliated with any insurance companies, and they are able to recommend and sell clients any product that is in their best interest.

Pricing varies by state, agency size and revenue. If you have any questions, the Big “I" is standing by to assist you. An independent agent is an insurance agent that sells insurance policies provided by several different insurance carriers, rather than just a single insurance company. The independent agent acts as a middleman to connect insurance buyers and sellers in order to facilitate a transaction. Independent agents receive commissions for the policies that they sell and are not considered employees of any specific insurance company.

However, there are other startup expenses such as creating an attractive website and buying computers and other technology tools. Depending on your business plan, you should have a minimum of at least $5,000 set aside in the beginning. You might even need as much as $50,000, depending on rent, furniture and other equipment. Estimate the potential revenue from the number of policies you'll need to sell to reach a break-even point. Of course, the amount needed for living expenses is a big factor as well. Lastly, do you have a wide group of social and business acquaintances in your community? That's an asset that'll help you grow. Most independent agents get involved in service organizations and nonprofit boards. However, many business and personal lines customers won't want to consider changing insurance agents until their annual policy renewal, unless they are experiencing a service problem. The insurance licenses you need to run an independent agency vary depending on your state. All states have different categories for these licenses and their own specific requirements.

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One of the best benefits to working with an independent insurance agency is having them shop for insurance quotes for you. With access to multiple companies, the independent insurance agent can check rates and coverage types with multiple companies at once. You only have to provide your household information once, which saves you time. Independent insurance agents may also know which companies have the qualities you’re looking for, which will also save you time and could potentially save you money. When your policy comes up for renewal, you can let an independent agent know about an insurance increase so they can shop for better rates to help you determine if you should stay with the same company or switch. Even if you switch insurance carriers, you can stay with the same insurance agent.

They are trained to sell policies that the parent company offers and do not have the ability to recommend products from other carriers. As a result, they may not be able to provide a comprehensive range of options. On the other hand, independent insurance agencies represent multiple carriers and can provide customers with several options from several companies. These agents can typically access different policies and compare them based on your specific needs giving you more options than signing up with a captive agent. There are also online or direct-to-consumer insurance agencies that offer policies primarily through digital channels such as email and their website.

According to a study by J.D. Power, customers who are satisfied with their insurance providers are less likely to switch compared to those who aren't happy with their agents’ services; therefore, it’s essential to take customer service seriously. In conclusion, finding a reputable insurance agency involves evaluating their trustworthiness, the availability of policies, financial stability as well as their quality of customer service. Taking these factors into consideration should give you some peace of mind and make choosing your next insurer slightly easier. Choosing the right insurance agency can be a daunting task, but it is crucial in ensuring that you have proper coverage when you need it the most.

Ohio Commercial Insurance Agency

Ohio Commercial Insurance Agency

Find the Right Insurance Agency for Your Needs Navigating the insurance landscape can feel like trying to decode a labyrinth of jargon, clauses, and fine print. But what if there was a way to find your perfect fit in the insurance world without turning it into a grueling task? Welcome to the ultimate guide that will help you unlock the secrets of finding the right insurance agency for your unique requirements. Just as Cinderella found her perfectly fitting glass slipper, this guide will ensure that you find an insurance agency tailored to securely encompass all of your needs. Your peace of mind begins here - so keep reading!

A small insurance agency may have better customer service scores, better policies, and more competitive pricing than a large conglomerate. On the other hand, a large corporation may have more resources available for research and development or have better access to cutting-edge technology. Think of evaluating an insurance agency like hiring an employee for your business—their reputation, experience, and background matter just as much as what they are offering you in return for your investment. Service is another essential factor that can determine an agency's reputation and stability.

What types of insurance does The Allen Thomas Group offer? We offer a comprehensive range of insurance services, including car insurance, home insurance, and business insurance. Our expertise extends to various specialized insurance products, ensuring that we can meet all your insurance needs.

At The Allen Thomas Group, we believe in creating strong, long-lasting relationships with independent agents. Once appointed with The Allen Thomas Group, we’ll deliver what you need when you need it — because your agency is unique to us. The Allen Thomas Group's innovative telematics programs are easily adaptable to meet the needs of your customers and save them money. We have streamlined our process to get you an appointment decision as quickly as possible (you will hear back from us within 5 business days on next steps). The Allen Thomas Group the ability to quote, bind and issue at point of sale and an automated referral to an underwriter when needed. We provide independent insurance agents with access to top-rated markets, product training, and sales and marketing support–and we’re the only no-fee program of our kind! Home equity is the portion of your home you’ve paid off. You can use it to borrow for other financial goals. Life insurance doesn’t have to be complicated. Find peace of mind and choose the right policy for you. Boost your business with rewards, perks and more.

Customer service representatives should be knowledgeable, efficient, and helpful when answering your questions or assisting with claims. You can test customer service by calling the insurance agency and asking general questions. If it is tedious to get a representative on the line, or they seem uninformed, it might not be the best company. Finding the right insurance agency for your needs takes time and effort, but it's worth it. By evaluating an insurance agency's reputation and stability through assessing customer reviews, financial strength rating, and service quality, you can be confident in making a wise investment choice. Remember to do your research and choose an agency that aligns with your values, budget, and coverage requirements. While purchasing insurance online may seem like a convenient option, it can often lead to confusion and miscommunication.

Independent Insurance Agency

Customers can often apply for coverage online in a quick and easy process, thereby eliminating the need to meet with an agent in person. Finally, there are insurance brokers who act as intermediaries between policyholders and insurers. Brokers work for the policyholder to find coverage that matches their unique needs by comparing policies offered by various carriers. With different factors impacting individuals' choice of a policy; hence finding an agency that specializes in your area of interest is essential. For example, any homeowner seeking flood insurance should look for agencies offering flood-specific coverage options. Your primary goal when choosing an agency should be finding reliable advice without being required to pay upfront or tied down to purchase a particular product.

The Big “I" is a national trade insurance federation. It consists of more than 50 independent state associations as well as the national association. Its mission is to provide support for independent agents and brokers by offering membership benefits and resources such educational tools, informative publications, networking and more. These associations also serve as advocates for independent insurance agents by working with insurance companies, state insurance departments, the federal government and other stakeholders to maintain a stable and viable marketplace. Through the collective efforts of the Big “I," independent agencies are better equipped to thrive. When starting your own independent agency, there are many ways a membership with the Big “I" can help. Here are just a few benefits of a membership for a startup independent agency. Just as independent agents are an insurance customer's greatest ally in finding quality and affordable coverage, the Big “I" is an independent agency's greatest ally in running a knowledgeable, successful operation.

Finding the right car insurance can seem overwhelming. One way people navigate this complexity is by talking with an independent insurance agent. These agents are licensed to sell insurance products from multiple companies instead of being direct employees of just one company. An independent insurance agent could lighten the load for people who don’t want to do the legwork of collecting quotes and information from different companies. ATG’s insurance experts have put together some helpful information about the potential advantages and disadvantages of using an independent agent. An independent agent works with multiple insurance companies to offer a broader range of insurance products to meet consumer needs.

Brokerage companies may either be independent or captive. Independent brokerages do not work under contract from any insurance companies and can advise and sell clients any product that would best meet their needs. Captive brokerages are affiliated with certain insurance companies and have contracts with certain providers to sell only their products. An example of an independent agent would be an agent working with someone seeking life insurance policies. An agent could utilize multiple providers like Northwestern, Mass Mutual and Prudential in order to locate the optimal life insurance policy for their customer. Benefits of Working with an Independent Insurance Agent [Independent agents provide more options, because they contract with multiple insurers instead of just one]. More options mean more tailored policies to your needs at more reasonable premiums compared with dealing exclusively with captive agents (the opposite of independent insurance agents).

Similarly, someone who works in a high-risk profession like construction or law enforcement may need a policy with more comprehensive liability coverage than the average driver or homeowner. It's also worth noting that there are other factors besides simply "what you own" that can impact the type of insurance coverage you need. For instance, someone who has significant savings or investments may be more inclined to opt for a higher deductible on their policy since they have money set aside to cover unexpected expenses. On the other hand, someone with less financial flexibility may prefer a lower deductible so that they're not faced with an unmanageable bill in the event of an accident or incident.

Independent Insurance Agency
Insurance Agency Website

Insurance Agency Website

When comparing costs between various providers, be sure to check for bundled policy discounts. Lastly, it’s crucial to research the reputation and financial health of the insurer before committing to any policies. This ensures that your policy is sound and valid when you actually need it in the future. Let's consider another example: You've selected an agency and a policy but are concerned about high premiums. After researching this further, you learn that certain safety features like airbags or a rearview camera can significantly reduce your annual premium since these make your car safer and less susceptible to accidents.

Independent Insurance Agency Near Me: Your Trusted Local Partner Wondering, "Is there an independent insurance agency near me that truly cares about my needs?" Look no further than The Allen Thomas Group. While our reach extends nationally, we maintain our local roots in Akron, Ohio. This means you get the personalized service of a local agency with the extensive resources and expertise of a national one. Our local presence allows us to understand the unique challenges and opportunities that Akron and the surrounding communities face.

Secure your home and possessions against unexpected incidents with tailored homeowners insurance coverage that's tailored specifically for you. Your independent insurance agent can also offer options from other companies, including business insurance, commercial property insurance, life and health insurance policies as well as umbrella, classic car and more. Be it starting a business, expanding your family or increasing financial assets - your agent will always have suitable insurance solutions available that meet the changing demands of life.

Best Insurance Agency

They are also able to offer similar insurance products across a broad range of companies. Captive agents work with just one insurance company, offering only the products offered by that specific company. There are several potential advantages to working with independent insurance agents vs. captive agents. Working with an independent agent usually does not cost anything and can save the customer time by allowing the agency to shop for quotes from multiple insurance companies. An independent agent may be able to find a better deal for your insurance needs than you can. Ultimately, you will need to decide if these and other possible advantages are beneficial to you.

Most insurers pay commissions based on when customers pay their premiums; businesses and personal lines customers often make payments monthly, quarterly, semi-annually or annually. Since premium payments may differ depending on customer circumstances, estimating commission revenue for an agency that is just starting up can be challenging. Good news is that property/casualty commissions will continue as long as a customer renews their coverage. With regard to individual life and disability policies, insurance companies usually pay larger commissions during the initial year before decreasing them gradually in subsequent years. Maintaining strong customer relationships is key for continued sales, referrals from your customers' friends and relatives, and the possibility of selling additional policies like home and car insurance to your life and health insurance customers.

Home Insurance: Safeguarding Your Haven Your home is more than just a place; it's where your heart resides. Protecting it is paramount, and The Allen Thomas Group is here to provide the security you deserve through our home insurance solutions: 1. Comprehensive Home Coverage Our home insurance policies cover not only the structure of your home but also your personal belongings. Whether it's damage from natural disasters, theft, or liability coverage, we've got you covered. 2. Customizable Policies We understand that every home is unique, and so are your insurance needs. Our agents work closely with you to create a policy that safeguards your specific circumstances. From condos to single-family homes, we tailor our coverage to fit your requirements. 3. Cost-Efficiency Home insurance doesn't have to break the bank. The Allen Thomas Group is committed to finding you affordable home insurance options while maintaining comprehensive coverage. Your peace of mind should be accessible. 4. Protecting Your Investment Your home is likely one of the most significant investments you'll ever make. Our home insurance policies ensure that your investment is safeguarded against unforeseen events, giving you the financial security you need.

Independent Insurance Agency
Life Insurance

Get customized homeowners insurance coverage that protects your home and belongings from the unexpected. Your independent insurance agent can also offer options from other companies, including business insurance, commercial, life insurance, health insurance, umbrella insurance, classic car insurance, and more. Whether you're starting a business, welcoming new family members, increasing your financial assets or something else, your agent will always be there with insurance options that keep up with your needs. Whether you’re looking for a new career or simply want to learn more about The Allen Thomas Group, you can find all the information you need to get started here. Find answers to your insurance questions, insights into current trends, and tools for navigating life in our resource center. We offer insurance by phone, online and through independent agents.

Captive agents may show the prices offered by competitors, but they will not be able to offer and sell those policies. While independent agents can offer their clients policy options from a variety of different insurers, they may not be considered completely objective. Because the insurance companies pay a commission to the insurance agent when a new policy is sold, the agent may push clients to select policies that provide the agent with a higher commission rate. Because independent agents are not fully supported by a single insurance company, they are often responsible for generating their own business. They may have to produce their own marketing material and manage their own operations, though they do benefit from the general advertising and marketing done by specific insurance companies; however, if the independent agent does not sell the policies offered by an insurance company that is conducting a large branding advertising campaign, the benefit will be limited.

How can I get a quote for insurance services from The Allen Thomas Group? Getting a quote is easy. Simply reach out to our friendly team of insurance agents through our website or give us a call. We'll gather some information about your needs and provide you with a customized quote that suits your requirements.

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Frequently Asked Questions


The car that you drive is an important factor when it comes to the cost of insurance. The cost of repairs, the engine size, and the safety record of your car are all factors to consider. Automobiles that have high-quality safety equipment may qualify for premium discounts.

Local insurance agencies like The Allen Thomas Group know the area best. Local insurance agencies have the necessary experience to provide you with advice on local issues that may affect your insurance needs. Insurance laws and regulations can also vary from one state to another.

The insurance company does not obligate you to accept their settlement offer. In some cases, accepting an offer immediately could be harmful as it might not cover your losses and injuries.