5 ways it pays to have your own insurance agent


There are seemingly endless ways today to achieve instant gratification with just a few mouse clicks.

Shopping has become so simple that you no longer need to leave your home, even to buy a car. Depending on where you live, you can order one online at carvana and pop it on your driveway before your work week is over.

And the insurance? It’s surely a more complex process to buy an insurance policy, isn’t it? Not exactly.

Services such as Zebra and Lemonade have made it almost comically simple to get an insurance policy of any kind.

Getting a quote and getting insurance in the time it takes to order takeout is a level of convenience that many consumers are looking for these days.

But do we spend time trying to figure out what it all means? That’s where an independent insurance agent comes in. Let’s explore five major benefits of having your own agent from an organization like SELCO Insurance Services.


Throughout our lives, we will be protected by a variety of insurance policies—health and dental, auto, homeowners, to name a few.

Rather than worrying about how to keep them all straight, wouldn’t it be nice to have all your insurance needs taken care of under one roof by an experienced SELCO agent?

“Where better to get a policy than from the financial institution you know and trust? said Eric Medrano, SELCO insurance specialist. And if you are already a member of SELCO, consolidating your insurance needs would simply be another quick stop.


An agent familiar with many types of insurance is a good agent to have in your area.

The SELCO team, from Insurance specialists to the service team, has nearly 200 years of cumulative experience. Whatever type of coverage you need—vehicle, health, homeowners…even farm and ranch insurance—a SELCO agent did you cover.

“Our experienced team offers personalized service, attention to detail and the benefit of speaking and interacting with a real human,” said SELCO Insurance Specialist Jenna Kipper.


If you purchase insurance directly from an insurance company (State Farm, Farmers, etc.), not only do you receive direct agent– referred to in the industry as a “captive” agent – but you will only have access to products from this company.

On the other hand, an independent agent can source products from different insurance companies and bundle different types of coverage that match your price and coverage preferences. Think of it as pay-as-you-go insurance.


Not only can an independent agent scour the market for the best deals and coverage, but at a place like SELCO Insurance Services, you’ll also receive local, personalized service. In fact, it’s easier than ever to stay in touch with a SELCO agent by phone, email or in person.

“We’re also your advocate – if you have billing or claims issues, need to change your coverages, or have questions, we can work with the insurance company on your behalf.”

You won’t find this on plug-and-play online services like The Zebra and Lemonade.


Let’s face it, trying to understand the intricacies of insurance can be confusing. All your policies contain insurance conditions, legal clauses, coverage limits, etc. confused, which might make your head spin.

Rather than repeatedly banging your head on the table, let an independent agent handle any unsatisfactory matters and offer insight whenever you need it.

The convenience of online insurance engines as well as the name recognition of major insurance companies can be a big plus. But take a step back, think about everything you want from your insurance, and you might find that an independent agent is exactly what you need.

Questions? A SELCO insurance specialist is ready to help you by phone, email or in person. Connect with us today!

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