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Why Choose an Independent Agent

Some people think it doesn't really matter where they buy their insurance. But this misconception could be costing them money, service and protection. Buying insurance isn't like buying bread or milk. Insurance is an important safety net for your family, your home, your car or your business. Don't treat the purchase lightly.
There is a difference in where you buy your protection. Many people don't realize there are three sources for insurance:
  1. Captive agents, who can sell you the insurance of only one company.
  2. Direct sales representatives, who can offer you the insurance of only one company and only on the telephone or online.
  3. Independent insurance agents, who represent an average of eight insurance companies and research with these firms to find you the best combination of price, coverage and service.
Here are some important points about purchasing insurance from an independent insurance agent:
  • Unlike other agents, an independent insurance agent is not tied to one insurance company. You don't need to change agents as your insurance and service needs change.
  • An independent insurance agent treats you like a person, not a number. You can develop a personal relationship with your independent insurance agent. Can you do that with a voice on the phone or a link online? Your independent insurance agent has strong customer and community ties.
  • An independent insurance agent offers one-stop shopping. Dealing with a direct response company or a captive agent limits you to the plans available through only one company. An independent insurance agent offers many plans through many companies, giving the consumer the potential for the broadest range of coverage at a competitive price. One call puts you in touch with someone who can do the comparison shopping for you.
  • An independent insurance agent provides personalized claim service. When you purchase insurance from a direct response company or a captive agent, who is going to assist you in the event of a claim?