Why More Insurance Shoppers Are Turning to Independent Agents
A new report shows that more people than ever are shopping around for auto and home insurance. Rising premiums, changing coverage options, and easy-to-use digital quoting tools have made switching carriers far more common than it used to be. But while comparison sites and online ads promise quick savings, many consumers are discovering there’s a smarter way to shop: working with an independent insurance agent, like Boufford Insurance.
The Challenge of Shopping Alone
On the surface, insurance shopping seems simple. Get a few quotes, compare prices, and choose the cheapest option. In reality, coverage differences, exclusions, deductibles, and limits can vary widely from one policy to another. Two quotes with similar prices may offer very different protection, and those differences often don’t become obvious until there’s a claim.
That’s where many consumers get stuck. Online tools are helpful, but they don’t always explain what you’re giving up to get a lower price—or whether a policy truly fits your situation.
What Makes an Independent Agent Different
As an independent insurance agent, Boufford Insurance doesn’t work for just one insurance company. Instead, twe represent multiple carriers, giving us the flexibility to shop your auto and home insurance across a broad range of options. Rather than pushing a single product, we can compare coverage, pricing, and underwriting guidelines to find the best overall fit for you.
This means your insurance is being shopped strategically, not randomly. As an independent agent we look beyond the headline premium to evaluate coverage strength, claims reputation, and long-term value.
Better Coverage, Not Just a Lower Price
With premiums under pressure, it’s tempting to focus solely on price. Boufford helps consumers strike the right balance between affordability and protection. We identify gaps in coverage, recommend appropriate limits, and explain endorsements or discounts you might not even know exist.
Because we understand how different carriers approach risk, we can often place you with a company that views your profile more favorably—resulting in better coverage at a more competitive rate.
Advocacy When It Matters Most
Price matters, but service matters more when something goes wrong. As an independent agent, we act as advocates during the claims process, helping clients understand what to expect and ensuring the carrier follows through on its obligations. You’re not dealing with a call center or navigating complex policy language alone. That support can make a real difference during stressful moments.
As more consumers shop their insurance, the advantage goes to those who shop smarter—not harder. Boufford Insurance combines modern tools with real-world expertise, offering a personalized approach that online platforms simply can’t match.
If you’re feeling the pressure of rising premiums or wondering whether your current coverage still makes sense, Boufford can help ensure you’re properly protected and paying a fair price—without the guesswork.
