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IndependentAgentFirst off, what is an Independent Insurance Agent?
 
There are two kinds of insurance agents, Captive Agents and Non-Captive, or Independent Insurance Agents and the 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 shopping from many companies that have varying rates and coverage. 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.
 
An Independent Agent:
1.       Is a value hunter - they look for the best combination of price, coverage, and service.
2.       Offers one-stop shopping. 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.
3.       Is committed to customer satisfaction - their livelihood depends on it.
4.       Treats you as a person - not a number.
5.       Becomes your consultant/advisor for the present and future - helping you to protect your valuable assets.
6.       Provides personalized claims service. No need to navigate a phone chain - Your independent agent can contact your insurance carrier directly to help smooth out the claims process.
7.       Listens. How better to help determine your needs?
8.       Has strong community ties. Look around you - PTA, Rotary, and Chamber of Commerce. Chances are your local insurance agent is right beside you building a stronger community.
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