First off, what is an Independent Insurance Agent?
There are two kinds of insurance agents, Captive Agents and Non-Captive, or Independent Insurance Agents. There is a big difference!
Captive Agents are committed to one insurance carrier, like AllState or State Farm, and are restricted to selling that one company’s product line. They cannot shop around for other opportunities that may better suit consumer needs. To a captive agent, the parent company comes first.On the other hand, Independent Insurance Agents are open to offering their customers multiple product lines, which may include The Hartford, Safeco, or Travelers. This broader selection offers more resources to find coverage that best suits your personal situation. To an independent agent, the customer comes first.
Do you trust your finances with someone who is more concerned about their company than with you? Of course not! You will sleep better knowing an Independent Insurance Agent is on your side.
No need to navigate a phone chain – Your independent agent can contact your insurance carrier directly to help smooth out the claims process.
How better to help determine your needs?
for the present and future – helping you to protect your valuable assets.
Look around you – PTA, Rotary, and Chamber of Commerce. Chances are your local insurance agent is right beside you building a stronger community.
not a number.
their livelihood depends on it.
With one call or visit, you have access to multiple lines of coverage for all your needs. Independent agents vary, but most offer a full range of auto, home, rental, business, life, and flood products.
They look for the best combination of price, coverage, and service.