Why Does Dave Ramsey Recommend an Independent Insurance Agent?

If you haven’t noticed we are big fans of Dave Ramsey. We are a Dave Ramsey “Endorsed Local Provider” and not only have we used his advice but are constantly recommending him to our clients. We truly believe that taking a conservative approach to your finances, spending less than you make, and avoiding debt are sound decisions. What about Dave’s recommendation that you use a trusted independent insurance agent? Is this a good recommendation and a critical part of making the best  financial decisions?

We certainly agree with Dave that an independent insurance agent is often the best place to not only purchase your insurance but also to make sure your coverages are meeting your needs. We believe there are 3 distinctions of an independent agent that can be of the most value to you.

- We simply do not work for the insurance company

It sounds so simple but day in and day out we see examples of how this plays out. We represent the insurance company but we are not employees of that company. Ultimately we represent the interest of you, the client. Insurance can at times be a complex matter. There is sometimes confusion and miscommunication, whether over a claim or even your billing. When these situations arise an independent agent can look at the matter from your perspective and represent your interest to the company.

No one is perfect and sometimes insurance companies are wrong. Having an independent voice to represent you versus an employee of the insurance company insures that you will be treated fairly and efficiently.

- Representing Multiple Companies Offers you the Best Deal with the Least Hassle

Let’s be honest, even with those companies offering your huge savings in 15 minutes, getting an insurance quote is not exactly pleasant. Gathering your documents, remembering the details of a small claim 3-years ago, and trying to choose the right level of coverage is just not fun. We can certainly think of funner things to do.

An independent agent can offer a multitude of companies and make the best use of your time while shopping for insurance. Our quotes compare a minimum of 4 companies with multiple coverage options.

-Building a Long-Term Relationship With an Independent Agent is Easier

As much as we wish it wasn’t so insurance companies often change their rates. What was fantastic for you this year may not be so fantastic 5 years down the road. Back to our 2nd point is it isn’t fun having to shop for insurance. Starting over every couple of years with a new agent is a headache.

By representing multiple companies we can keep our relationship intact and may be able to offer a new company at a better rate. There is no need to start from scratch.

We have had clients that have been with our agency for over 50-years. That simply is awesome! A relationship like that is invaluable for both us and the client.

Why we chose to be the Dave Ramsey Endorsed Local Provider for Bakersfield Insurance…

We believe Dave’s principles work. We enjoy working with people that have embraced his philosophy. Whether you are on baby step #1 or have already done the “we’re debt free” scream… we want to grow together with our clients. Responsible clients that are in control of their finances are fun to work with! Hard working independent insurance agents that are watching out for your interest and building the dream together are fun to work with!

We would love to talk to you about your insurance needs. Give us a call at 661-327-5531 or stop by our office at 111 “H” Street. You can complete an on-line quote comparison here.

 

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