What Is an Independent Insurance Agent?
An independent insurance agent represents multiple insurance companies rather than just one. This means they can shop your coverage across several carriers to find the best combination of price, coverage, and service for your specific situation.
Independent Agents vs. Captive Agents
Independent Agents
Captive Agents
Benefits of Working with an Independent Agent
1. Choice and Comparison
Access to multiple carriers means more options. When one company raises rates, your agent can shop alternatives without you having to start over.
2. Personalized Service
Independent agents typically provide more personalized attention. Your business isn't guaranteed, so they work harder to earn and keep it.
3. Claims Advocacy
When you have a claim, your independent agent advocates on your behalf with the insurance company, helping navigate the process.
4. Annual Reviews
Good independent agents proactively review your coverage each year, ensuring it keeps pace with your changing needs and market conditions.
5. Local Expertise
Local independent agents understand your area's specific risks, from hail patterns to regional claim trends.