As independent agents we represent over 26 different companies serving Clatsop County and Northwest Oregon. Contact us to find the one that best meets your budget and coverage expectations
Why should I go through a local agent? Won’t I save money if I apply for coverage directly through the insurance company?
Your health or life insurance premium will always be the same with or without an agent. Insurance agents (also known as insurance producers or brokers) are paid a small commission for each policy sold. The insurance company, not the insured, pays this commission so the premium is the same regardless. The difference is that without an agent you’re likely making some critical choices without fully understanding your coverage options. For this reason insurance companies typically require an agent for certain lines of coverage like group health. An agent can explain your options in detail and get you matched up with a plan that best meets your needs. During the course of your policy it’s not unusual to have claims, billing, network or administrative issues arise. This is where your agent can help. Complex issues are best sorted out in person. Nothing beats a local agent in this regard. At Clatsop Health & Life, the vast majority of our time is spent servicing existing clients, not on making new sales. We’re there for our clients whenever questions or concerns arise, unlike online brokers who sell the same products and make the same commission but offer no meaningful service to their clients once an application is submitted. Bottom line- purchasing coverage through a local agent gets you best value for your premium dollar.
