The Allen Thomas Group Independent Insurance Agents

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As an independent agency we can select the best coverage from many different carriers to better meet the individual needs of our clients. Give us a call or click on the quote form button above to find out more about our insurance solutions. The Allen Thomas Group . We look forward to hearing from you! You’re here because you’re looking for a new insurance policy and don’t know where to start. Begin and end with us! Our agency works with many different insurance companies to ensure that you are being provided the best coverage for the most value.
Here are some key financial considerations you should take into account: Firstly, evaluate the deductible amount on each policy being considered because this ultimately affects how much you'll have to pay for coverage after filing a claim. A lower deductible means higher premiums while a higher deductible means lower premiums. Secondly, research discounts provided by different insurance agencies. Many offer discounts based on your occupation, driving record or affiliations with certain organizations or groups like alumni associations. Thirdly, leverage technology during your search for providers as many online services today offer comparison tools that allow you to select from multiple policies. This can help reduce the cost of your insurance and ensure that you're getting the best value for your money. Furthermore, it's possible to lower premiums by bundling insurance policies such as home and auto or life and health with a single provider.
By working with insurance companies on behalf of their clients during these tough times, agents aim to quickly resolve and fulfill claims while providing friendly customer support. In 2019 alone, there were more than 7 thousand property damage claims filed in Alberta due to severe weather events. Through an agent's expertise, they can navigate these complexities to guide you through efficient solutions and speedy claim resolution All in all, an insurance agency's primary purpose is client satisfaction by offering full-service support throughout the process. With their conveniences offered via digital methods nowadays as well as offices worldwide located close-by to clients shows why it remains a popular option among consumers even today. Insurance agencies determine their rates for policies based on a variety of factors, such as the level of risk involved, the type of coverage required, and the claims history of the insured individual or organization.
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.
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As with any business venture, when starting an independent agency you will require enough funds up front to keep going until eventually it turns a profit or breaks even with its initial investment. This may take many months - sometimes several - before profits start flowing or your initial investment has paid back its cost. Calculate how much money is necessary for you to cover both living expenses and running an agency. Joining an insurance trade association will help you understand what steps are required, providing resources that will allow you to launch from shore. Not just knowledge in insurance matters! Learn about the available insurance technology solutions to assist in meeting your insurance needs.

Firstly, insurance agencies provide consultation services to help clients understand their coverage options, premiums, and deductibles. This could be done in person or through various digital channels such as webinars or chatbots. By providing professional advice from licenced experts, it can save clients from potential issues related to insurance policies. Secondly, insurance agencies conduct a thorough risk assessment of their clients' homes, automobiles, businesses, or other assets requiring insurance coverage. It is a crucial part of the process as it helps evaluate the potential risks and prepares for possible losses. Thirdly, they help clients choose the right policies that fit their unique needs and budget. Their role is to ensure that clients make informed decisions about which type of policy will suit them most. With so many insurance policy options available, selecting an adequate one is imperative. Fourthly, an Insurance agency also manages claims processing when unfortunate events occur like thefts and accidents.

Allen Thomas Group offers quote, bind and issue services at point of sale with automatic underwriter referral if necessary. Independent insurance agents rely on us for access to top-rated markets, product training, sales and marketing support - plus no-fee programs! Home equity refers to any portion of your home you have paid off and could use this as leverage towards meeting other financial goals. Life insurance needn't be complicated: find peace of mind by selecting the appropriate policy. Increase business with rewards and perks tailored specifically to you; compare cards in one convenient place until you find the one that best fits; fund or refinance your next car purchase or refinancing with confidence!

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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.

Captive brokerages are affiliated with specific insurance companies and have contracts with specific providers to sell only their products. An example of an independent agent would be an insurance agent that has a client looking for a life insurance policy. The agent would be able to contract with many providers, such as Northwestern, Mass Mutual, and Prudential to find the best life insurance policy for the customer. The main advantage of using an independent insurance agent is that you are given more options because the agent contracts with many insurance companies, not just one. Having more options means you can find policies better suited to your needs as well as lower premiums since you have many choices while shopping around. The opposite of an independent insurance agent is a captive 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. 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.

Choosing the right insurance policy is similar to building a customized vehicle - it involves making choices about which features and components will best suit your individual needs and preferences. Just as two people might choose different car models based on their commuting habits, personality traits, and overall lifestyle needs, two people might also select different policies based on their unique circumstances. When it comes to insurance policies, there are numerous options available depending on your needs. Understanding the different types of insurance coverage can help you make an informed decision when selecting an insurance agency. Broadly speaking, there are four main types of insurance coverage: life insurance, health insurance, auto insurance, and property insurance.

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Working with an independent insurance agent could make the task of collecting quotes and information easier for people. ATG's insurance experts have put together some helpful information about the advantages and disadvantages of working with an independent agent. An independent agent works with multiple insurance providers to offer more products tailored to consumers' needs. Captive agents specialize in offering similar insurance products across a number of companies; while independent agents typically represent only one insurer. Working with independent insurance agents offers several distinct advantages over captive agents. An independent agent typically doesn't cost anything and can save customers time by shopping quotes from multiple insurance providers for them. An independent agent may be able to find you a better deal for your insurance needs than you can; ultimately, however, only you can decide whether these or other advantages are truly advantageous to you.

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.

People needing cover would need to go to multiple providers in order to compare quotes, while when making claims they will likely need to deal directly with the insurer themselves. Independent insurance agents make shopping for insurance easier by providing quotes from multiple providers. Most people have questions or may prefer speaking to someone in person about their issues and concerns about coverage. Independent agents develop relationships with their customers while employing technology to better serve them in various ways. There can be benefits in starting your own independent insurance agency from scratch; however, there may also be drawbacks.

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Property insurance covers any losses or damages to your property due to unforeseen events like floods or fires. This type of coverage includes homeowners’ insurance if you live in a house or renters’ insurance if you live in an apartment. Let's consider an example: You recently leased a new car and need to acquire auto coverage for it. After researching different auto policies, you realize that a policy with liability and collision coverages might be best for you since these will cover damages and injuries caused by your car as well as your own vehicle. While it can be quite challenging to choose from the wide variety of insurance policies available out there, it's important to consider factors such as the amount of coverage you require as well as the deductibles and premiums for different policies. Make sure to review multiple policies side-by-side so that you can make an informed decision. Insurance policies can be expensive, which is why some people forgo them altogether. However, when disaster strikes, not having sufficient coverage will cost even more in terms of recovery expenses and time spent dealing with legal issues.

Can people buy insurance directly over the internet? Certainly! But there are many aspects to insurance policies that people don't know about. They would have to go to multiple companies to compare quotes. And if they have to make a claim, they would have to deal with the insurance company on their own. Independent insurance agents make insurance shopping much easier for customers by providing quotes from several companies. Most people have questions about insurance and may prefer to talk to someone about their concerns. Independent agents build relationships with their customers and use technology to serve them in a variety of ways. There are some benefits to starting your own independent insurance agency from scratch. However, there are several possible drawbacks. When starting any type of business, you'll need to have plenty of capital up front to keep yourself afloat. It might take quite a while, sometimes up to several years, for your independent agency to eventually start turning a profit or break even with your initial investment. Calculate how much you need to pay your living expenses apart from running the agency.

The insurance field offers lots of career options. Do you like the idea of being in charge? Setting your own schedule? Having rewarding, well-paid work? If that's appealing, consider starting your own independent insurance agency. Here's a closer look at how to start an agency and why you might want to. There are two types of insurance agents. “Exclusive" agents represent a single insurance company, and “independent" agents represent multiple insurance companies. Independent insurance agencies are separate from the insurance companies they represent, allowing them to offer insurance from more than one company and select the policies that best meet their customers' needs.

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That is why offering them choices is essential - one size doesn't fit all. Your independent agency must enter into contracts with each insurance company it represents, detailing their respective duties. Exclusive agent companies also contract with independent agents. Not always was this the case, but over time many exclusive companies have recognized the close relationships independent insurance agents enjoy with their clients. Can people purchase insurance directly over the internet? Absolutely! But many aspects of insurance policies remain obscure to most.

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.

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.

What is a deductible in insurance?

Amount you pay before your health insurance plan begins to pay. You pay for the first $1500 in covered services, if you have a $1500 deductible. You usually only pay a copayment after you have paid your deductible.

Why is car insurance so high?

Your auto insurance rates are influenced by both factors that you can influence, like where you live, what type of vehicle you drive, and how much you purchase, and those that you cannot, like inflation or your age. In many states, accidents and DUI convictions can raise your rate significantly.

What is the difference between an Insurance Agent and an Insurance Broker?

Both insurance agents and brokers can help you purchase an insurance policy. Insurance agents, however, represent the insurer that employs them. They help to sell policies from this single provider. Insurance brokers can assist consumers in shopping for multiple insurance providers.

Do you pay less for car insurance if you pay monthly or annually?

Paying your auto insurance premiums annually instead of monthly is generally the most cost-effective option. If you pay in monthly installments, providers incur processing fees. These costs are then added to your monthly payment. Insurers offer discounts if you pay your premiums in full. This helps them keep their costs low.

Why do I require a local agent for insurance?

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.

What causes a car to be more expensive to cover?

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.

Do you recommend using a local agent for insurance?

A local agent is a valuable asset when it comes to insurance. Local agents can provide individualized advice, assist you in navigating complicated insurance policies and give you peace of mind knowing that you or your business are adequately covered in case of accident or disaster.

Do you think it's better to use a local agent for insurance?

Local agents get to know their clients and can learn about changes they have experienced over the years. They offer advice, and they learn which companies provided satisfactory service to you in the past. Local insurance agents also have knowledge of specific risks in the area.