One of the first things to do after buying a new car is to purchase insurance. You have two options: contacting an insurer directly or contacting your broker. What should you do?
Here are 8 reasons why you should go through a broker:
1. FREEDOM TO CHOOSE
Lareau Insurance Brokers is proud to be a fully independent broker. Our title of independent broker means that we do not have financial ties to any insurers or financial institutions, which allows us to be objective when analyzing your needs. Did you know that among the 45 major brokerage firms in Quebec, 25 have an insurer as one of their shareholders?
2. ONE CONTACT FOR ALL OF YOUR NEEDS
When you go through a Lareau broker, you will always be talking to the same person. Your broker is the person who knows your file best and is the most qualified to give you advice about the best product for your needs. Your broker works for you, with several insurance companies.
3. WE ARE ALWAYS THERE FOR YOU
We want to be there for you even before you become a Lareau client. Whether to clarify certain unfamiliar insurance terms or to simply look at the market to determine if all of your current products meet your needs, we can provide you with advice that will give you peace of mind.
4. MAKING A CLAIM: YOUR NEEDS COME FIRST
As your broker and contact, we work together so that making a claim is a smooth process for you. We follow up with you to guarantee your satisfaction with the adjustment. In the event of a disagreement, we can negotiate with you and the insurer for a fair and equitable adjustment in an impartial manner.
5. WE CARE ABOUT YOUR RENEWALS
Your insurance renewals are important to us. During such a period, we take the time with you to determine if changes have occurred during the year. These changes may affect your potential risks, and we need to ensure that you will not have claims that might be uncovered. In addition, we take time to re-evaluate your premium based on the products available on the market and adapt if necessary.
6. YOUR BROKER CAN HELP YOU TROUBLESHOOT
Do you own a century-old home, a vacant home, or a home with mercantile occupancy? Does your brother own a vintage car, a car with right-hand drive, or a modified vehicle? If you call insurers directly, you may end up with a relatively limited number of options, since these situations are quite unusual. However, as your broker, we will be able to provide you with programs adapted to your needs for these types of risks, while advising you of the best insurance strategies.
7. PERSONALIZED SERVICE
By choosing to go through a broker, you are choosing to entrust the protection of your assets to a team that really cares about you. A broker will ensure that you receive good advice when purchasing your insurance policy. The broker will then ensure that your contract changes based on your evolving needs. With your Lareau broker present at every stage of your life, each modification or addition to your insurance policy will be carried out in a simple manner, allowing your broker to provide you with advice and to meet your needs.
8. A CONSTANTLY EVOLVING MARKET
With no restrictions regarding insurance products on the market, your broker is free to research new partnerships and develop new products at any time. This ensures that we are always at the forefront of what the insurance market has to offer.
Now that you are informed of your choices with regard to insurance and that you know how important it is, we invite you to contact your Lareau broker to learn about your options for insurance products!