You probably already know plenty of ways to cut back your expenses—everything from packing brown bag lunches to buying beater cars. But here’s one you might not have thought of yet. And it could save you a lot of money.

So what’s the secret sauce? Shopping for insurance with the help of an independent insurance agent! (Didn’t see that one coming, did you?)

The Difference Is in the Name

Why is an independent insurance agent such a great money saver, you ask? It’s all in the word independent. They’re not limited to a single insurance provider’s options. With access to a whole network of insurers, an independent agent casts a wider net to find you the best deals on the coverage that’s right for you. It’s like having your own personal shopper . . . but for insurance.

And you can feel confident knowing your independent agent doesn’t have a stake in the game when it comes to which provider or policy you choose. They don’t get paid extra for helping you choose a specific one—so at the end of the day, the choice is yours!

Old Policies Aren’t Necessarily Better

The only constant in life is change, right? We all know that. But a lot of people treat their insurance policy like a bottle of wine that just gets better with age. Spoiler alert: Insurance doesn’t work like that.

Never taking a second look at your insurance policy is a mistake that could cost you. In fact, a recent survey found that one out of every three Americans with homeowner’s or car insurance have never shopped around for better coverage.¹ Ever. That means they could be missing out on new discounts that apply to where they’re currently at in life.

Did Junior get good grades this semester? Did you get married recently? Drive a different car these days? All of that might impact your insurance rates.

After 15 years with the same auto insurance company, Zach D. decided to give an independent agent a try. Now his family is saving $1,200 a year on the exact same coverage.

It’s About More Than Your Bottom Line

You also shouldn’t have to sacrifice your coverage quality to save a buck. Saving money is awesome. But cutting costs shouldn’t mean cutting corners. A true pro takes time to walk you through your coverage options so you can make the decision that’s right for you.

Sadly, this basic level of service isn’t always part of the package. Many people don’t fully understand the details of their insurance policies at all. And if you’re confused about what’s covered and what’s not, that could really cost you. Things like floods, earthquakes and normal wear and tear are not usually covered under a basic homeowner’s policy.²

So be sure you know what you’re paying for. No one wants to be surprised in the middle of a crisis when they’re trying to file a claim. Take our 5-Minute Coverage Checkup to make sure you have the right kind of coverage you need.

Brandi’s insurance premiums went up 10%. With help from her independent insurance agent, she cut her rate by 20% and got increased coverage with lower deductibles.

Start Saving Today

What would you do with an extra $700 or more to your name? That’s how much people save on average by having an insurance Endorsed Local Provider (ELP) check out their rates. With that kind of extra money, you could knock out your debt snowball, boost your retirement fund, or get hustling on paying off your mortgage. The possibilities are endless! So what are you waiting for?

If you don’t have an independent insurance agent already lined up, we have some awesome recommendations. Dave’s insurance ELPs are experts who have a solid track record of providing excellent service—and we’ve already vetted them for you! Find your ELP today.

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