Leveraging Insurance Technology to Improve Service While Reducing Your Workload

How can insurance agencies stand out when consumer expectations keep rising? By leveraging technology. With innovative solutions, insurance agencies of all sizes can elevate the customer experience without working harder.

The Challenges and Opportunities of A Tough Market

You may have noticed that insurance customers are frustrated. It’s hard to blame them. According to Bankrate, average car insurance premiums have increased to $2,638 per year in 2025, representing a 12% year-over-year increase – and that’s on top of previous increases. It’s not just auto insurance. Commercial and personal insurance rates have been challenging.

Obviously, insurance agents aren’t causing these rate hikes, but many people blame the messenger. Insurance shopping has spiked as frustrated policyholders look for less expensive coverage. According to LexisNexis, auto insurance shopping has attained “nuclear” levels for three consecutive quarters.

With all this shopping, there’s plenty of business available, but agencies will have to deliver a superior customer experience to stand out and win new prospects.

Technology Is Raising the Bar

The hard insurance market isn’t the only factor impacting insurance customer expectations. Technology is advancing rapidly, and consumers expect more from businesses as a result. They can access food, banking, ride services and countless other amenities instantly, and they expect a similar insurance experience.

Your expectations have probably changed, too. When you reach out to a company as a customer, you likely expect a fast response, a user-friendly experience, modern payment options, and personalized support. Are you providing those advantages for your customers?

How Can Agencies Keep Up?

Insurance agencies need technology that will:

  • Provide fast quotes and personalized coverage recommendations.
  • Offer real-time broker assistance if they are having difficulty.
  • Facilitate digital payments so policyholders can make payments online.
  • Support accounting and other back-office tasks so agents have more time to work with clients.

The insurance technology exists – but finding it can seem like a full-time job. With so many new tech solutions available, it can be hard for insurance agencies to vet the options and determine which ones provide the best value.

The stakes are high for choosing the right technology. If an agency implements a solution that doesn’t work or isn’t a good fit, they can waste a lot of time and money. Even worse, the mistake may result in poor experiences for policyholders who don’t have much patience for subpar experiences.

Large agencies may have the dedicated departments and resources needed to vet technology solutions, but for most small to mid-sized agencies, there just isn’t enough time in the day to go through all the presentations and reviews.

Heffernan Network Is Here for You

If you’re looking for a partner who can vet technology solutions and provide you with easy access to the options that can help you improve client experiences, Heffernan Network is here for you.

As a tech-forward network, we have developed partnerships with BrokerTech Ventures and Viewpoint. BrokerTech Ventures is a group of brokerage firms that have joined forces to create an incubator and accelerator for early-stage insurtech companies, and Viewpoint is a venture capital fund that invests in more mature Insurtech companies. These partnerships help support the development of new tools to support insurance agencies.

We also offer access to several innovative solutions that agencies can implement today to improve customer experiences and reduce workloads.

  • HIB Marketplace. This is a full-service digital insurance wholesaler that you can leverage for rapid quotes, coverage recommendations, real-time broker assistance, and instant invoicing.
  • Indio. This software simplifies insurance applications and renewals processes and eliminates the need for PDFs and spreadsheets.
  • Applied Pay. This digital payment platform lets policyholders easily pay their premiums online.
  • Comulate. This accounting platform provides end-to-end automation and can cut the workload of broker accounting teams by up to 90%.
  • Spark Advisors. This all-in-one platform is designed for agencies in the Medicare space.

There’s a good reason so many insurance agencies become part of the Heffernan Network. Learn more.