No one likes to hear “You messed up!” especially when it comes from your spouse or business partner. Yet on a weekly basis we hear unfortunate stories where people could have saved heartache and/or money if they had a single source trusted agent. Even if anyone is yet to tell you “You messed up!” consider these situations before it happens.
“I have one agent do my home. I have another agent do my auto.”
“I have one agent insure this business entity. I have another agent insure this other business entity.”
“I have one agent insure my business. I have another agent insure my home.”
“I have one agent do my business auto. I have another agent do my business property and liability.”
While I understand relationships can be complicated let’s explore wisdom at large and some considerations to make when you have more than one agent.
You may be missing out on multi policy discounts
Many insurance companies now offer significant discounts for home & auto and even when personal and commercial insurance policies are linked together
You may be complicating billing
Don’t forget about your costs (and installment fees) but let’s not make paying bills a hassle
You may be missing out on better coverage
Mono-line policies can have restricted protection whereas packaged accounts can enhance your overall protection
You may be making your future claim more expensive
Packaged policies with a single carrier can reduce your future costs. For example, a property fire that damages your building and auto – a single deductible (with one carrier) is less costly than two deductibles (with two separate carriers)
You may be buying duplicate coverage that is making insurance more expensive
Don’t overpay and cost yourself thousands of dollars over years of insurance buying
You may be making communication more cumbersome for yourself
Claims, coverage questions, or billing communication with a single source agent will save time and future frustration
You may be spending your valuable time inefficiently
A single source agent is your professional shopper, your professional adviser, and gives you peace of mind that is invaluable
You may not be an insurance professional
As easy as insurance buying sounds from the TV commercials the truth is that insurance can get very complex very quickly
A single source trusted independent insurance agency is the place to start.
Jeremy Hyde | Colligan & Company
When Captive Agents like State Farm | AllState | Farmers | American Family Insurance | USAA | AAA | GEICO | MetLife can not be a single source trusted adviser.
Great content! Super high-quality about the importance of independent insurance agents! Keep it up! :)
This is why I switched from State Farm to Colligan!
I really like how you wrote about “You messed up!”
I think like a lot of things you need trusted people in your life to help you… insurance being one of them.
Sustain the awesome insurance work !! Lovin’ it!
Yes! I made this mistake, thanks Colligan for cleaning up my insurance
I had car insurance with USAA and my home insurance with Erie. It’s so much easier to understand and take advantage of better policies when you have a single contact. Thanks Colligan!
I’m satisfied with the information that you helped with professional insurance.
I don’t understand why people have more than one insurance agent, they think they are taking a step forward, but it’s two steps back!
It makes sure much sense to have a single insurance agent if you can!
There certainly seems to be distrust when you would have a couple agents
Treat insurance like a commodity and then insurance will treat you the same!
I never really thought about having my home/auto and my business insurance with the same agency, that’d clear up some headaches!
It’s a good idea to have one insurance agency handle your needs if you can at all make it happen
A lot of people just don’t care, but I’m glad to have one agent in Fort Wayne… Colligan!
You have good knowlwdge right. Find an insurance agency like Colligan…independent, trusted.
I’m glad to have a single insurance agent like Colligan
You should have one trusted insurance agent
Too many people hurt themselves by guessing on what they need. Find a trusted insurance agent like Colligan and they can help you know what insurance you’d like.
I’d rather not go with AllState for my home and auto and Federated Insurance for my business any longer. Let’s talk. D
I think so many people could be served by Colligan, if you need an insurance call them!
Hello, after reading this piece I have to agree, one agent is better if you can help it.
Go with one agent, go with Colligan agency
It must be cost why someone would go through the hassle of more than one agent but I wonder if they are wrong there too. It makes more sense to consolidate
I trust Colligan agency to help me and my family and our business!
If you have insurance with multiple agents chances are you don’t know who covers what on certain things.
It’s better to have a single insurance expert than 3 guys whispering in your ears
No reason to have two agents when you have the right agency
Don’t DIY insurance
I made this mistake for years, it’s not worth it. It actually cost me money. Go with one agent – home, auto, and business.
Thanks Colligan, I appreciate your value add doing my business and home/auto insurance
It’s true, nice article
Do it, go with Colligan – any of those agents will do you right
Thanks for helping me best understand why I just need to work with you! :)
Everyone messes up but I don’t want to mess up like this.
“Saving” money can trip people up
I’ve done it that way for a long time but it makes sense to think about having a single agency to buy my insurance from…
There are plenty of ways to mess up, it doesn’t happen to everyone but I can understand how some people can get tripped up
Choose Colligan, they will take care of you.
That’s good advice on having as little agents as possible
You can’t go wrong with the Colligan guys
I prefer to have my insurance agent in Fort Wayne Indiana…right where I live.
It happens, people get cheap
I bought my home policy with AllState, my auto online Geico… found out I could have been saving a lot of money!
I do understand, it’s hard though to leave State Farm after all these years
Skip State Farm and Erie, go with Colligan!
Thanks, good info, good to know my options
I can see how this can make this weird
I don’t have the time to try and sort through this stuff, go with a trusted source
I wonder how many people don’t even know this.
But I just want cheap rates
I had a friend who thought he was saving by doing it “his” way, but come to find out, he was losing on massive savings.
Don’t have multiple agents, go with one trusted agent with good options
One insurance agent in Fort Wayne! Go with Colligan!
I recommend an agent that’s independent too!
People get themselves tripped up and think they can do everything all by themselves.
I prefer having one insurance agent
I don’t see the problem if you want to do what you want to do it
I once had a wind claim that damaged by home and car but then I had two deductibles!
It can be difficult to juggle but what if you like a couple agents?!
State Farm is good but I have more needs than they can help with
Don’t mess up
I hate paying for insurance
I’m not sure what I’ll do but I understand
Don’t get sucked into those insurance commercials
Good advice, thanks
I like the trust factor
Agents can compete against each other too it just takes time and effort but limits that relationship
I like these ideas
I like your service
It’s a wonder agency’s are around at all…
I like your content, thank you!
Thanks for the blog
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Fire State Farm!
I tired of screwing things up, I need to use you guys
Don’t mess you! You can!
People trip themselves up in the funniest ways
Yep definitely can see how this could happen
Start with the Colligan agency and give them a chance, they have good options and good people
Have one trusted person, stop it, just stop doing it yourself
I’m following your blogs, keep it up
Good stuff, thanks Colligan
I’m ready to work with a pro, let’s go
I hope your insurance isn’t too expensive, I’m ready to give it a shot
I like working with you folks. Thanks
I just wonder how people manage their finances sometimes
I’ve just been using Geico and it’s been Ok
I’m ready to use a legitimate insurance provider
1 agent with multiple options, sounds good to me
You have a nice insurance agency there.
I definitely understand, I’ve done this for years and it is a little confusing
Thanks for the article, good job guys
Be aware of what you wish for, you better know what you are doing.
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I can understand, but sometimes its just much easier finding a solution when you need it and it can differ on the agent from time to time.
Just use Colligan insurance agency, the people there will take care of you
I have several policies with several agents, it’s really not that annoying but maybe I am missing something here
It’s a lot of work to manage your insurance, use one trusted source if at all possible
Better to be right than sorry
Good insurance blog, thanks
Holy smokes, all the things that can trip people up. Good job, keep at it.
Thanks for the info, good stuff and I mostly agree
Do we have any idea some of the long term practices on this for insurance?
Insurance can be complicated
Good insurance blog, keep it up
Wonder what we really need to know here.
Single trusted source. period.
Too many people do this, I can understand why, maybe they think to save a buck
You can mess up! I experienced this first hand!
You don’t get messed up until you get messed up~
Property & Casualty makes sense, but make sure your agent knows his stuff
I can’t say it enough, work with a high quality agent and carrier, the money can come around to bite you
I can see how it could get confusing or not make sense to do
Thanks for all your help
Good info, makes sense
There seems to be interest on this subject
A lot of commercial agents stink at personal insurance and vice versa
I can see why one agent that does my commercial insurance and my home/auto make sense
There are a lot of insurance options out there, it’s problaby a good idea to get advice on the differences
I’ve seen some strange things happen out there and I’m a police officer
It makes sense, choose a good agent and put your trust in them
I think people just look for cheap insurance
Egh, I’ve been doing it wrong for a while, I need help with my business and home/auto and life
Thank you for the blog, you are a good insurance agency
This happens all the time, thank you
Yep I can see this scenario, my aunt had her restaurant and her home with two different agents and her fire turned into an awful denial situation
I would agree with this, don’t mess yourself up too much here on the insurance
This post is getting a lot of traction, it’s needed content
Why make it harder for yourself? One Agent
Good blog, insurance is a difficult subject to write about without sounding too salesy
Thanks Colligan Insurance
Trusted insurance agent…
Nice post, I’ve wondered
It doesn’t make sure why a small business owner would do this to themselves, have 1 agent!
I guess don’t mess up, but it can be cheaper if you shop yourself a lot… its just a lot of time and effort for your insurance esspecially if you want a quality product
I can see why people would do it, it’s hard to get an insurance agent that can truly do it all
Yep, been here done that. Messed me up too.
Good stuff, thankful for your insurance agency
Good article, please keep writing your insurance blog
I see the benefits!
I’ve had Farmers for 10 years, maybe I should try you guys
Yep, skip State Farm :)
Solid site, informational
Yeh but I think I can manage on my own
Sometimes life just seems busy
Can happen to anyone pretty easy, but I can see the advantages now
I’d rather not think about it, thanks though
I’ve had two agents for years, but I can understand what you are saying
More than one agent gives you more resources though
Wild, I didn’t know about those things, lots to think about
Wonderful work! This is the type of information that should be shared around the internet. Shame on Google for not positioning this post higher! Thanks =)
I tried doing it myself for years and did pretty good (I think) but I know I’m better off now with a single agent
I’ve wondered what is the best way, this some logical
Yep me and lots of people do this, do what’s right for you
One agency makes sense especially if there are multiple quality carriers and agents
I’ve done it for years this way, yep, way to go!
Good blog, good idea
Lots of people do this… no big deal, until it is
I can understand why someone would mess themselves up with more than one insurance agent
You have done an impressive job and our whole community will be grateful to you.
Heya i’m for the first time here. I found this board and I find It truly useful it helped me out much. I hope to give something back and help others like you helped me.
Why have your home insurance one place and auto insurance another place? It doesn’t make sense
That’s really short term thinking
If you trust one agent, sounds better to me
That’s penny foolish
It’s complex, people need to recognize this
I wonder how many people do this…
I get confused about this no wonder people are so scattered on this
Nice short article!
State Farm will spit you up
I have Geico on my auto and my mortgage person placed my home insurance. What do I do?
Nice little insurance article Colligan
I’ve wondered this, but I think ease is underated and why insurance situations happen
Why have two deductibles? One carrier and one agent if at all possible!
I’ve wondered who would do this, but I can see it happen where people just let things get away or they move away or they have a bad experience, then things can get gray
State Farm all the way, oh way, no they don’t do commercial insurance well
People go to Allstate because it’s easy, not because it’s right
Don’t mess up, call Colligan
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Thanks, good stuff
Nice beat! The account helped me a acceptable deal. I had been tiny bit acquainted of this…
I recommend one agent, an independent agent with good carriers to select from
Some people just can’t help themselves
I mess up all the time, what’s new :)
Why do people do this, intriguing
This blog is getting some interest, noteworthy
I would think an insurance agency would say this
I wonder what the purpose beyond all this is
Thanks good insurance info
I like what you have to say, thanks
Interesting insurance take
I wondered about this
It’s rare but I can see it
Take the trusted advice people!
Nice blog, I’d like to see more articles
Pretty simple, makes sense
good insurance agent here
thanks for the info, i admit to doing this but I’m super cheap
I don’t trust other people
This is messed up, the whole system is rigged, I guess I do need someone on my side
Thanks for writing the article, informative… and I understand what you do now
Do you know what the best route is?
This world is confusing, make the most of it with help
Great idea to do my business and my home/auto with your agency. Makes a lot of sense
Nice sales article for your insurance company
Interesting blog, not very many insurance companies do this
I wondered how this would work, thank you
Thank you for the article, your agency is top notch
This article is getting a lot of traffic, must be a hot button for you insurance people
I got messed up on a claim once because of this. Good advice
This is a nice explanation thank you
Insurance is often a mystery to me, I think I understand it a little better now. Thanks
State Farm rates can be pretty good though
but I’m gonna look out for me
I can see the potential problems and overlap, pretty interesting, I guess I just like Colligan as my one stop experts
Thanks for finally writing about > “You messed up!” | How To Avoid Insurance Mistakes
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Thank you for the information, I appreciate your insurance agency
Thank you for the insurance info. Good Fort Wayne insurance agency!
Unfortunately it happens too much I can see where there are insurance issues
Don’t mess up, you one trusted source if you can!
It’s foolish not to have a trusted agent
A lot of youth disregard good advice for ease of transaction. By doing this they feel the wrath in an difficult situation with no proper advice….
Definitely a nice insurance blog. Good job
Thanks for the info, I’ve definitely messed up on my insurance. Can you help?
Good write-up, I am regular client of Colligan and like your excellent operation! Thanks