Deciding which insurance to get can be about as enjoyable as filing your taxes. How do you figure out which faceless insurance company will really care enough about your unique situation to make sure you receive the appropriate coverage and service at the right cost? An independent insurance agent can do more than read the fine print for you.
Independent Agents, Direct Agents and Captive Agents
A core difference between independent insurance agents and other types of insurance agents is that independents are truly independent of insurance companies. We are, for the most part, small business owners, or employed by an independent agency. We are not paid a salary by just one insurance company, and typically work with an average of eight insurance companies, trying to find our customers the most suitable coverage.
Direct and captive agents represent only one insurance company – the one that employs them. Direct agents work online and via the telephone. Even if you wanted to meet them face to face, this would not be possible.
Independent Insurance Agents Live in Your Community
Independent insurance agents are the complete opposite of a “faceless insurance company” because we live in your community. We care about local businesses. We may have kids that go to the same school as your kids. We are strongly invested in your success, as a member of the community. When you call our local number, you most likely won’t be waiting on hold very long because we’re here for you. We might give you our cell phone numbers — and will return your phone calls promptly.
Independent insurance agents are not tied to working with just the one insurance company. We research the insurance providers we have contracts with to find you the pricing and coverage that best suits your needs. We regularly take the pulse of the insurance industry, staying on top of changes that big insurer’s make that may impact you as the policyholder.
Independent Agents Periodically Review Your Coverage Needs
Independent insurance agents will take the time to help you determine your insurance needs. We are looking for the best value for you. We can regularly review your coverage and determine whether your needs have changed or whether you qualify for certain types of discounts that big insurers provide. We take the time to help you understand the fine print.
Most independent insurance agents offer a wide range of insurance products, including:
Being attentive to you and making sure that you get the best value for your money and have the protection that you need as the policyholder is critical to our business. For the most part, you won’t see us advertising on TV or YouTube. Rather, we rely primarily on word of mouth for our livelihood.