Does It Really Matter Where You Buy Insurance?

Choosing the right Insurance Agent Can Make a big difference in your Insurance Rates

Does It Really Matter Where You Buy Insurance?

Yes, and making the wrong choice could be costing you money, service and coverage protection. Purchasing insurance for your car, home, business or life is too important to treat lightly.

Independent Insurance Agents Give You Options

There are basically three ways to purchase insurance. The first is through captive agents. Captive agents sell for just one company, they generally have a familiar name that has been built up with a tremendous amount of advertising, but in the end, you are just buying a brand. They will provide one quote from one company. The second way to buy insurance is with a telephone representative, and once again, you are getting a quote from a heavily advertised brand name with very little choice. Finally, the third way is through an independent insurance agency like L&M Insurance Group–this is the way that will offer you the most choices in coverage options and prices.independent insurance agent


 What Are The Benefits Of Working With An Independent Insurance Agency Like L&M Insurance Group?


  1. L&M Insurance Group represents multiple insurance carriers. In fact, we represent more than 40 different insurance companies. With this many carriers we can insure any risk you bring through our door. For instance, if you called us today for a quote on your auto insurance, we would be able to provide rates from more than 15 different companies and another 20 companies if you needed us to insure your home. By doing this we can provide the best combination of rate, service, company strength and coverage options of any captive agent or telephone representative anywhere.
  1. L&M Insurance Group is on your side. Do you ever wonder who represents YOU and YOUR needs when it comes to insurance? Don’t wonder anymore. WE do.   WE work for you, not the insurance company. We periodically review your coverage to make sure it meets your changing needs and to make sure you are getting the best value for your money. You can’t say that of a telephone representative or a captive agent–they are both employees of the insurance companies.
  1. L&M Insurance Group is your trusted insurance professional. Need questions answered about SR22 insurance, replacement cost coverage vs actual cash value? Need help understanding wind mitigation reports, 4-point inspections or commercial general liability? Call and ask! Try that with a telephone representative who is evaluated on one criteria only–did he/she SELL you insurance.
  1. L&M Insurance Group can do it all. That means whether you need car, renters insurance, commercial auto, homeowners, general liability, life or builders risk–we can help you. It’s nice to have all your insurance taken care of by one professional.
  1. L&M Insurance Group will always treat you like a person. You are not a number to us.   Customer satisfaction is paramount here. We return calls and go out of our way to make each encounter with our agency a positive experience.

L&M Insurance Group: Your Local Independent Insurance Agency

Proudly serving Brandon, Riverview, Tampa and surrounding cities in Hillsborough County and beyond.

Contact L&M Insurance Group today for a free review of your insurance needs. Partner with us and you won’t regret it. 813-672-4100. Click this link to email us.

Florida Independent Insurance Agents

What Is Non-Standard Insurance?

businesswoman holding car in the hands - insurance or car business conceptIf you’re looking for a new auto insurance policy, you may have come across the term “non-standard insurance.” What does this mean? Non-standard insurance is simply a category of auto insurance especially for people who are considered higher risk by insurance companies. And this group of people is growing all the time. Some reasons you might need a non-standard auto insurance policy include:

  • You have multiple violations on your driving record.
  • You have serious violations, such as driving while intoxicated (DWI) or driving under the influence (DUI), driving with a suspended license, reckless driving, or a major (more than 16 miles over the speed limit) ticket.
  • You must carry an SR-22.
  • You have recently had a serious auto accident.
  • You have bad credit or a lack of credit history.
  • You drive a specialized or expensive vehicle, such as a high-powered sports car or custom-built car.
  • You’ve never been insured or you have had a lapse in your coverage.
  • You are a teenager or a senior citizen.
  • You have had your license suspended or revoked.

“Non-standard” does not mean “sub-standard”—the term has nothing to do with the financial health of the insurance company or the coverages it offers. Non-standard companies must follow all state laws and regulations. They offer the same types of coverage that standard ones do, but to a broader range of potential customers. Some insurance companies specialize in non-standard insurance, while others offer both standard and non-standard policies.

Non-standard insurance usually offers higher risk drivers better coverage at a lower price than a state-assigned risk pool, the other option open to drivers who do not qualify for standard insurance policies.

You don’t have to fall into one of the above-listed categories to purchase a non-standard policy. Generally, non-standard policies cost more than standard ones (because of the perceived higher risk factors), but occasionally they will offer a more competitive rate than a standard policy. It’s a good idea to check with your independent insurance agent who will be able to help you find the option that is best for you.

L & M Insurance Group, Inc., offers auto insurance policies and carriers with rates in all tiers including preferred, standard, non-standard, and specialty. We offer the lowest rates, best payment options and exceptional service of any agency in east Hillsborough County.

Larry Johnson