How Independent Insurance Supports Long-Term Client Relationships

Insurance may not seem like the most monumental decision when you’re shopping for it, but when problems strike, whether you have insurance in place and how good it is can make a huge difference in how well you recover. 

Almost anyone would agree that nothing is more important than your family, your home, and your business. Ideally, insurance is meant to protect them. That’s why it’s more than just a transaction — it’s about finding a trusted partner who understands your personal situation and can keep what matters most safe for the long haul. 

You might not associate insurance with feeling heard and valued, but the way insurance is structured and offered can actually play a big role in fostering that kind of relationship. The independent model offers some distinct advantages in this area. 

The Power of Personal Choice 

An independent insurance agent works differently than a “captive agent,” who represents only one specific insurance company. Independent agents partner with numerous carriers, so they can offer you a wider variety of products. 

What does that mean for you? Way more choice. Your agent can shop around for you and compare coverage options and pricing from multiple reputable companies to find solutions that align with your needs and budget. Their advice is centered on your best interests rather than being tied to an incentive to promote one specific company.

Best of all, an independent agent helps establish a strong foundation of trust from the start, so you can feel more confident that their guidance is coming from a good place. 

Advice That Adapts to Your Life’s Changes 

Life, by its very nature, isn’t static. There’s the good and the bad. You might buy a new home, have a child, start a business, or see kids grow into teens who then join the family policy. You might also experience a natural disaster, a theft, or another kind of unexpected loss. The only thing you can count on in life is change. It’s inevitable. 

Your insurance policy can’t be static, either. It needs to naturally evolve along with your life. A key benefit of working long-term with an independent agent is that they can actually adapt with you. Because they aren’t bound to one carrier, they can proactively review your coverage as your circumstances change. 

If your current policy isn’t the best fit anymore, or if better options crop up at renewal time, they can look into alternatives for you without forcing you to start the search all over again. Having the ability to pivot as needed allows your independent insurance protection to keep pace with your life and actually cover what you need most. 

You Don’t Have to Go It Alone: Having an Ally in Your Corner for the Claims Process 

If you’re going through a personal loss, you’ll have to contend with filing an insurance claim. This might feel like the last thing you want to do on top of scrambling to adapt to a sudden change. 

Working with an independent insurance agency can ease this necessary hurdle, as they typically serve as your advocate during the claims process. 

In the end, choosing an insurance partner is about much more than just coverage. With the independent insurance model, you’ll find guidance, choice, and support for the long haul.

Discover Custom Solutions From a Professional Independent Insurance Agent

You want and deserve the best insurance coverage to safeguard your home, life, business, and auto. You can get that from a professional independent insurance agent.

An independent insurance agent can custom-fit insurance to your specific risks, similar to a tailor creating a dress or a suit for you. Just as you don’t want to pay for extra material and features that don’t fit well, you don’t want to pay for an insurance policy off the shelf with extra coverages you don’t need or want.

You can discover the custom coverage for your situation by talking to an independent insurance agency.

What Is an Independent Insurance Agent?

Independent insurance agents are licensed professionals who sell insurance from many insurance companies. This gives them the freedom to compare and select the best coverage for your needs.

Since they don’t work for a single insurance company, these agents have a broader view of the insurance industry’s products and services. This translates into the best policies and rates for the coverage you want.

Delivering Custom Insurance

An independent insurance agent builds a custom insurance policy you can count on by forming relationships with you and multiple insurers and cultivating deep knowledge and experience about insurance and the industry.

Here’s how you can get insurance tailored for you:

Working With Multiple Insurers

As independent insurance representatives, agents who don’t work for a specific insurer maintain relationships with multiple insurance carriers. This independence gives agents the ability to shop around for the best coverage options and rates. They can combine different aspects of policies to provide you with the coverage you want.

Providing Personalized Services

The representative of an independent insurance agency is focused on you, not the latest insurance products a company is pushing. An agent can take time to learn about all your insurance needs and you and your family. 

Through this care and insight, an agent can understand your circumstances, delivering more personalized advice and support. This goes beyond selling you a policy. Agents can also advocate for you, explaining the complexities of insurance, helping you file claims, and monitoring changes to adjust your coverage when needed.  

Customizing Coverage

You don’t want to pay for more coverage than you need, but you also want to know that you have enough coverage. Your agent can build home, life, business, and car insurance policies to cover your unique needs and concerns. The agent may pull together coverage from various insurers or add riders or endorsements to cover your concerns. 

Building Relationships

Since they work by themselves, representatives in an independent insurance agency make it a priority to get to know you and maintain a relationship. This gives you a professional agent to answer your questions, explain the details of your coverages, and check whether your coverages are still appropriate.

An independent insurance agent is the intermediary between you and insurance companies who can deliver customer insurance policies.

Independent Insurance Agents Work for You

A professional independent insurance agent can tailor insurance to your specific needs. But the agent’s value goes beyond a custom insurance policy. This is someone who understands the risks you want to guard against and is there to safeguard your financial well-being.

Powerful Reasons to Choose Independent Insurance Over Big Providers

Insurance helps you plan for life’s curveballs, but choosing the right provider doesn’t have to mean settling for a one-size-fits-all approach. While big insurance companies promise reliability, independent agents bring something different — they focus on you, not the company. 

With an independent insurance agency, you get tailored solutions, competitive pricing, and personalized attention — things that often fall by the wayside in the hands of massive corporations. Here’s how their approach is different from big providers. 

Personalized Service

A key benefit of working with an independent insurance agent is the personalized service they provide; they’ll often take the time to understand your unique situation.  

With that deep understanding, they can craft coverage tailored to your precise needs — including endorsements for equipment storage or adjusting deductibles based on your cash flow. On top of that, they help you review the policy regularly, so when life circumstances change, you’re ready to go with a different coverage.

Large providers, on the other hand, tend to place an emphasis on efficiency over personal touch. Their systems may default to standard packages that can leave gaps in your coverage or include add-ons you don’t need.

More Options and Better Coverage

Independent agents aren’t tied to a single company so they can shop around and compare policies from multiple carriers. That gives you many more options when it comes to rates and coverage. 

For example, if you need specialized protection for a home-based business or coverage for a rare medical condition, an independent agent might locate a carrier that fills those gaps. That’s something that big-name providers’ limited in-house options often can’t do.

Independent agents can weigh factors such as premiums, deductibles, and policy limits to find the best balance, not just the easiest option. Another benefit is that this shopping process often leads to better pricing, as the agent can help negotiate on your behalf to secure discounts or favorable terms. 

Conversely, large providers are often limited to their own product lines. Their “one-size-fits-all” approach might leave you overpaying for unnecessary coverage — or missing protection that really matters. Independent insurance agents give you more freedom, letting you pick the solution that works best for your budget and risks; you’re less likely to be confined to a single company’s offerings. 

Long-Term Relationships

With independent agents, you can trust that they focus on building real, long-term partnerships and not just closing a sale. Unlike big insurers, where you’re often stuck with automated calls or rotating representatives, an independent agent can often become a trusted advisor who sticks with you over the years. 

They can get to know your history, such as past claims, coverage changes, and major life events, allowing them to anticipate your needs and act proactively. You can save time and build trust because you don’t have to keep re-explaining your situation every time you need help.

The Right Insurance Comes From the Right Partner

Big insurance providers come with name recognition and streamlined systems — conveniences that feel reassuring in a complex world. But they come at a cost: the loss of the human touch. An independent agent is worth the investment because they provide open conversations and a long-lasting relationship. You can place your trust in their expertise instead of in a familiar corporate logo. 

Top Tips for Finding an Independent Insurance Agent

Choosing the right independent insurance agent for all your needs is essential to protect your interests and save you time and money. While there is no shortage of choices available, thanks to the magic of the internet, that same proliferation of available agents can leave you feeling overwhelmed. 

So how do you choose the right independent insurance provider for your home, auto, and business?

Understand What an Independent Insurance Agent Does

There are two types of insurance agents: independent agents and captive agents. An independent insurance agent represents multiple companies and can provide various quotes from numerous companies. 

On the other hand,  a captive agent represents one insurance company (for example, Allstate, GEICO, or State Farm) and can only sell plans and policies from that company. 

Consider Referrals First

First and foremost, consider obtaining referrals from your friends and family before going on a wild goose chase on the internet. Has a trusted family member used a reputable independent insurance agency and gotten great results? They can be the key to securing a new provider for you.

Check Out Online Reviews

If referrals from friends and family do not yield results, research different insurance agencies online. Pay close attention to the agency’s online reviews. While an agency can respond to customer reviews, it cannot have them deleted, which means these reviews are unflinchingly honest and invaluable to you, the customer.

Make Sure the Agency Provides the Coverage You Need

While many independent insurance agencies offer several types of coverage, some only offer one type (such as car insurance, boat insurance, or homeowner’s insurance). Before contacting an insurance provider, confirm they offer the coverage you need.

Verify Credentials

Verify the agents ‘ credentials once you land on a potential new insurance agency. Ensure they have the necessary experience and licenses to provide you with the coverage you need. Agencies with more experience can answer any questions about your coverage with expertise.

Compare All Quotes and Coverage Options

Don’t just grab the first policy that is offered through any agent. Instead, get a series of quotes and coverage options and compare what is and isn’t offered in each one. This way, you can determine whether you are getting the most “bang for your buck” with your policy.

Communication and Customer Service Are Key

Effective communication is key when dealing with insurance matters. Choose an insurance agent who’s easy to reach, available during regular business hours, returns all customer calls and emails promptly and professionally, and can effectively explain complex insurance concepts.

Additionally, an insurance agent should be dedicated to your satisfaction as a customer. Take note of how a potential agent addresses your concerns, especially when clarifying doubts or overcoming objections.

Which Agent Is Right for You?

As a customer, you have your fair share of choices when finding an insurance agency that’s right for you. However, following these simple steps will ensure you have a mutually beneficial and long-term relationship with your independent insurance agency for years to come.

3 Tested Ways Independent Insurance Agents Excel at Flexible Policies

You’re not one to compare yourself to the Joneses, and there’s nothing about you, your family, your house, or your car that is exactly like your next-door neighbor. So you need insurance policies that fit who you are instead of cookie-cutter policies.

You can benefit from working with an independent insurance company to get the life, health, auto, commercial, and other insurance policies you need to safeguard your family and business from financial harm.

Independent insurance agents do all the groundwork for you so you can get flexible policies to meet your needs through a process that is simple for you.

Here are the three ways independent insurance agents excel at delivering flexible policies.

1. Providing Personalized Service

Captive insurance agents work for one insurance company. They likely are great people, but the quotas and goals they must achieve for their corporate bosses may keep them from focusing on your needs.

Agents at an independent insurance agency work for themselves and often live and work in your area. The success of their small independent insurance business relies on how well they listen to you and take care of your insurance needs.

You can sit down one-on-one with an independent insurance agent, discuss your insurance needs without any rush, and walk away with insurance policies that can safeguard your family and business from financial ruin.

1. Delivering More Choice

Independent insurance agents don’t work for just one company like captive insurance agents. An independent agent works with multiple insurance carriers, allowing them to connect you to different companies.

This provides you flexibility in a couple of ways. You can compare premiums and coverage of several carriers for different options, and you can buy policies for your home, auto, health, life, and business from any of the companies through your independent insurance agent.

Agents in an independent insurance agency also know well the carriers they work with. They can pull parts of insurance policies together from these carriers to build a policy that offers that coverage you want.

1. Offering Objective and Experienced Advice

Independent insurance agents are licensed professionals. They have a deep understanding of the insurance industry, experience with multiple insurance carriers, and knowledge about all the insurance products offered by those carriers.

Since they aren’t held to meeting a goal to sell particular insurance products, independent insurance agents don’t have a bias toward pushing one product over another. Your agent can give you the truth about every product from all the insurance carriers.

In much the same way a financial advisor has your best interests at heart, an independent insurance agent looks out for you.

An Independent Insurance Agency Means Choice for You

When it comes to safeguarding your family, property, and business, a one-size-fits-all solution simply won’t do. You need flexibility — the ability to choose the types of coverage you need to fit your life. 

The independent insurance company in your neighborhood has personalized service, numerous choices, and objective advice to deliver the flexibility you want in your insurance policies.

How to Compare Captive and Independent Insurance Agents

Choosing the right insurance agent is just as important as knowing the coverage you need. Someone who understands and aligns with your goals is a great partner to have. When it comes to insurance, two types of agents are available to you: captive and independent insurance agents.

The two may have several traits and offerings in common. However, there are significant differences between a captive and an independent insurance agency. How do they compare, and which one is better aligned with your unique needs?

Captive Insurance Agents

A captive insurance agent is employed by a single insurance company. They only offer products their company exclusively provides.

Some policyholders prefer captive agents because they’re familiar and comfortable with the brand. They may have an enduring reputation for quality service. Since they focus only on the products their companies offer, captive agents are often well-versed and skilled at explaining the company’s options and claims processes.

However, that focus can also be a limitation. By only offering products their companies endorse, they may be unable to customize the kind of coverage you need — especially if it’s markedly different from that of typical insurance customers.

Independent Insurance Agents

An independent insurance agent represents multiple insurers. They focus on their clients’ needs and shop around different companies to build comprehensive insurance plans.

This arrangement allows independent agents to compare coverage options and premiums to find the best deal for policyholders. They have a lot of flexibility to work with a wide range of insurance providers.

An independent agent is especially skilled at building personalized insurance plans that meet the diverse needs of their client base. While this may require launching policies with more than one insurance company, it’s likely to cater to the assorted and divergent needs of a wide range of policyholders.

How They Compare

Differences in the approaches of captive and independent insurance agents include the following.

Range of Products

Captive insurance agents specialize only in the products their employers offer. Independent insurance agents draw from multiple insurance companies to make specialized plans that fit their clients’ needs.

Insurer-Client Relationships

Captive agents maintain long-term relationships with their clients to drive brand loyalty. They’re attentive to each client’s needs but are ultimately bound by their obligation to the single company they work for. Independent agents are devoted to their clients first, seeking to build comprehensive policies that meet their customers’ objectives.

Pricing Structure

A captive agent is exclusively tied to their company’s pricing model, which could include unexpected fees. An independent agent has the bandwidth to compare several companies to line up the best bargain for their client — possibly saving them a bit of money.

Captive vs. Independent Agents: What Works Best for You?

Both kinds of insurance agents can be beneficial. You may feel more comfortable with a captive agent representing a steady, time-honored company with decades of success. But if you’re looking to get wide-ranging coverage for multiple needs, an independent insurance agent may be able to craft a unique policy and offer a better deal at the same time.

How Does Independent Insurance Offer You More Flexibility?

Modern consumers enjoy freedom of choice. They appreciate customizable solutions and the ability to choose from a variety of options. In almost every industry, one-size-fits-all offerings simply don’t fly with customers.

That’s especially true with the insurance industry. Every policyholder’s needs are unique and specific to their situation. Thus, policyholders seek flexibility when it’s time to protect their families and possessions.

More consumers are turning to independent insurance agents for this flexibility. Unbound from serving one insurance company, independent agents can develop custom plans that better suit their clients than those offered by traditional companies.

How does an independent insurance agency offer more flexibility to its customers? Here are just a few ways.

They Work for Your Interests

Corporate insurance companies aren’t all heartless and uncaring toward their customers. However, these companies set certain benchmarks and sales targets for employees to follow. As agents scramble to meet quotas and arbitrary milestones, they struggle to focus on what their clients need the most.

In contrast, an independent insurance agency serves as an advocate. Because they are not held captive to a larger corporate initiative, independent insurance agents are free to build coverage solutions that cater to their clients’ needs. They may have general business goals, but they won’t accomplish these goals if they don’t prioritize their customers.

An independent insurance agent should take the time to learn what your exact coverage needs are. This approach favors the spirit of innovation and consideration rather than set-in-stone business goals.

They Represent Several Companies

Independent insurance agents do not work for one insurance carrier; instead, they develop working relationships with multiple carriers. This allows them to connect their clients with a wide range of established companies. They are not locked into offering uniform solutions from a single corporation.

With access to a variety of carriers — and to all of the options these carriers offer — independent insurers allow clients to compare options like the costs of premiums and levels of coverage from many different companies. 

Independent insurers can set clients up with policies from multiple carriers to cover their home, auto, medical, or business insurance needs. They know which insurance companies are better for certain situations and can craft a package that covers them all.

By not being committed to single entities, independent insurance agencies can pull the best parts from each carrier to make policies that cover their clients more completely.

They Offer Objective Advice

Corporate insurers often make suggestions tied to the products they provide. That’s fair if the goal is to generate more profit, but it can affect the quality of the advice they give to prospective clients — and it’s not pertinent to each client’s unique needs.

Independent insurance agents are, in general, free from bias. They know what products their affiliated companies offer and the needs they fill the best. Since they have the freedom to use several carriers instead of just one, they can provide the straight truth about the solutions that may work the best.

Independence Means Choice

Corporate insurance companies may offer strong products. However, an independent insurance agency has the room to provide more choices. That allows them to give their clients more flexibility in their insurance options, which is exactly what clients want.

How Independent Insurance Agencies Offer the Absolute Lowest Rates

There’s insurance you’re required to have by law and insurance you want to safeguard you, your family, and your assets. Auto, home, health, life, and commercial insurance can get complex — and expensive — quickly.

An independent insurance agency can simplify things for you, helping you find the coverage you need and want at the lowest rates.

Why Independent Insurance Agents Offer the Lowest Rates

Independent insurance agents want to earn and keep your business, so they put your interests first. Here’s why that focus on you means the absolute lowest insurance rates possible.

Working With Multiple Carriers

Independent insurance agencies work with many different insurance companies. When you tell an independent insurance agent your needs, they can begin comparing quotes from multiple carriers simultaneously.

The carriers know the agent is comparing coverages and costs to find you the best deal. Contrast this with a captive agent, who sells a single company’s insurance and can’t offer you other options. The competition an independent agent creates by comparing multiple carriers’ quotes helps drive the quality of your policy up and the price down.

Tailoring Your Coverage

If you’ve ever read through your insurance policy and wondered if all the coverages were necessary, you’re not alone. Captive agents want to sell you policies that meet their company’s quota or earn them the highest commission, but these policies might not be well-suited for your needs.

Independent insurance agents are well-versed in insurance. After taking the time to learn about your circumstances and preferences, they can explain and weed out coverage options, helping you find a policy that’s tailored to you. You can save money by only paying for the insurance you need.

Understanding Your Market

You have a good chance of finding an independent insurance agent that lives in your community. Many independent agents work in the communities where they grew up or have lived for a considerable amount of time. That works to your benefit.

An agent who understands your community’s climate and weather, traffic, and other risks can factor those risks into your home, auto, and other insurance needs better than an agent who lives elsewhere. Understanding your risk environment can keep you from paying for insurance that might not be appropriate for your region.

Seeking Out Discounts

Your insurance agent should be looking for every way you might qualify to lower your insurance premium. Ask your agent to review your policies for possible discounts for vehicles and vehicle equipment, homeownership, auto-payment and early renewals, education, and more.

One often overlooked avenue is group discounts, such as those for a professional group, fraternity or sorority, AAA membership, military service, or credit unions.

There are so many possible group discounts that it can be difficult to know where to start looking. An independent insurance agent will know that these discounts are out there and take the time to track them down for you.

Independent Insurance Agents Can Provide the Best Deals

Independent insurance agents can save you money in numerous ways, from comparison shopping to guiding you toward beneficial discounts. When you’re looking for auto, home, health, life, or commercial insurance, an independent agent can help you find a solid deal — and lasting peace of mind.

What Is the Difference Between Captive and Independent Insurance Agents?

Searching for the insurance you need to cover yourself and your family can be overwhelming. The terminology alone can often be enough to make you throw up your hands in frustration. Two terms that might cause you the biggest headache are “captive insurance agent” and “independent insurance agent.”

Before now, you may have thought an insurance agent was simply an insurance agent. But there are, indeed, different kinds of agents, and the distinctions between the two can mean quite a lot.

On that note, here’s a look at the differences between captive and independent insurance agents and how one might benefit you more.

An Independent Insurance Agent vs. Captive Insurance Agent

The most prominent difference between an independent insurance agent and a captive insurance agent is the number of insurance companies each agent works with.

A captive insurance agent, also known as a dedicated agent or exclusive agent, works for one insurance company and only sells the products of that company. A captive agent is paid a salary, commission, or both, and they also receive benefits. Captive agents receive support and training from their insurance company and can become extremely knowledgeable about the products they sell. However, their products may not meet your needs.

An independent insurance agent, in contrast, doesn’t work for any one insurer. They may work alone or as part of an independent insurance company, such as Garrett Insurance. In either case, they will serve as the middleman between you and the insurance firm, and they’ll earn a commission on the products sold. With access to many insurance companies and products at once, independent insurance agents can deliver policies that fit your specific coverage needs.

Benefits of Using an Independent Insurance Agency

Getting the insurance you need, instead of the one a captive agent needs to sell, is a great advantage that independent insurance agencies provide. Additional benefits of working with such an agency include the following:

Saving Time

An independent insurance agent can gather your information in just one telephone call and compare multiple quotes at once, saving you from calling or driving around town to collect quotes from several agents.

One-Stop Shopping

Working with an independent insurance agency means you can fulfill all your insurance needs (health, auto, life, commercial, etc.) in one fell swoop.

A Personal Advisor From Your Community

Independent insurance agents often live and work in your neighborhood, giving them a better understanding of your insurance needs. And since they do not have sales quotas to meet, they can spend more time answering your questions, helping you file claims, and advocating for you.

The Ability to Keep Your Agent

Over the years, your insurance needs will likely change, or your insurance company may drop your coverage. With an independent insurance agent, those circumstances are never an issue. Your independent agent can search multiple companies and find you another policy.

Building a Relationship

Over time, independent insurance agents not only get to know you but also learn about your family. That kind of long-term relationship can see to it that you have the right insurance at every stage of your life.

Independent Insurance Agents Look Out for You

Working with multiple insurance companies, independent insurance agents possess a broader view of the insurance industry and a deep knowledge of other companies. That puts them in the unique position of being able to help you get your insurance needs met and save you money in the process.

8 Great Reasons to Choose an Independent Insurance Agent

It may seem convenient to dial the number on your television screen of a large national insurance carrier. But how will you compare prices, coverages, and policy limits to ensure you’re getting the best deal?

Insurance can safeguard your family or business against financial disaster. That’s no small matter to leave to five-minute searches between dropping the kids off at school and rushing to work.

Instead, consider leaving your search to an independent insurance agency. Like a personal shopper — but for free — an independent insurance agent can compare multiple quotes and find you the insurance you need at a price that makes sense for you.

If you’re looking for auto, home, life, or commercial insurance, here are eight great reasons to choose an independent insurance agent.

1. Offers You More Choices

Independent insurance agencies typically represent five to eight different insurance companies at once. With just one call or visit to an independent insurance office, you can receive several quotes on coverage for you to choose from.

2. Saves You Money

The premium you pay for insurance is based on many factors, such as age, location, and coverage needed, so comparing how well a policy fits your needs is the only way to know you’re getting the best price. An independent insurance agent can compare multiple quotes all at one time to save you money.

3. Provides Experience and Knowledge

Independent insurance agents are licensed. They also have a broad view of the insurance industry because they work with multiple insurers, big and small. 

That knowledge and experience means an independent agent can find coverage you might not have been aware of and explain the often complicated aspects of insurance in plain language.

4. Works for You

Unlike captive agents who work for one large insurance company, independent agents work for you. The advice they give you is for the coverage you need, not to sell a policy from a particular company.

5. Understands Your Community

Chances are that you have an independent insurance agency right in your community. Often, an agency’s name can be seen in the outfield of a Little League game or stretched across a kid’s uniform. Independent agents live where you live, helping them better understand your insurance needs.

6. Serves as a One-Stop Shop

Your local independent insurance agency can often satisfy all your insurance needs. You can get your auto, home, life, and commercial insurance from one agent, which can often mean a better deal as well.

7. Advocates for You

Insurance is complex and often confusing. If you need to file a claim, an independent insurance agent can explain your coverage and options and help you with the filing. If the insurer drops you, your independent agent can help you find another policy.

8. Builds a Personal Relationship

Many independent insurance agents live where you live and shop where you shop. You can drop into their office, and they will take time to connect with you. They get to know you and your family over the years, which strengthens their ability to understand your insurance needs.

The Difference an Independent Insurance Agent Can Make

Independent insurance agencies can save you time and effort looking for the right coverage. They also take the time to get to understand you and your specific needs. As they stick by you through changing insurance carriers, independent insurance agents can become both lifelong insurance consultants and friends.

4 Reasons Independent Insurance Agencies Offer the Lowest Rates

Finding the right insurance is always harder than it sounds. You want a policy that covers everything you need, has a reasonable deductible, and isn’t exorbitantly expensive. If you’re like many people, you shop around with all the major carriers before making a choice.

But did you know that, more often than not, an independent insurance agency can give you a better deal? Here’s a look at why.

1. They Work With Multiple Insurance Carriers

You might be used to comparing quotes yourself before choosing an insurance policy. When you work with an independent insurance agency, your agent does the shopping around for you. 

These agencies work with multiple insurance companies so they can compare rates to find you the best possible deal on coverage that includes everything you need.

2. They’re Part of the Community

Often, independent insurance agents have grown up in the areas they serve — or are, at the very least, long-term residents. That means they’re familiar with area-specific risks and can help you choose a policy accordingly. 

For example, if you live in an area prone to tornados, your agent might be able to help you find a home insurance policy that may keep you covered in the event of tornado damage.

Independent agents are part of your community, so they have an interest in forming long-term relationships with their clients. That leads to unparalleled support and customer service.

3. They Can Find You Group Discounts

Group discounts are insurance discounts offered to members of certain groups or organizations. There are more types of group discounts than you might realize. These are some examples:

• AAA

• Military

• Certain credit unions

• Colleges and universities

• Professional trade organizations

• Mensa

• Some employers

There are so many possible group insurance discounts that it can be difficult to find every applicable one if you don’t know where to look. However, most independent insurance agents will take the time to find you every possible group discount.

4. They’ll Help You Through the Claims Process

When it comes to claims, insurance carriers prefer to pay out as little as possible. This means that when a company-affiliated agent helps you with a claim, they’re protecting the carrier’s best interests. 

They might explain how the filing process works, but if you’re leaving out something that could lead to a larger settlement, a company-affiliated insurance agent probably isn’t going to tell you about it.

However, independent insurance agents are not loyal to a particular insurance carrier — they’re loyal to you. If need be, your agent can walk you through the claims process and offer tips to maximize your claim.

Finding the Right Independent Insurance Agent for You

Now you know that you might just find your ideal policy with an independent agent. Bear in mind that just like major carriers, some independent agencies offer more coverage options and better service than others. 

When you take the time to thoroughly vet insurance agents before making your selection, you’ll be well on your way to a quality policy.

An Independent Insurance Agent Does the Shopping for You

How would you like to have a personal shopper — without having to pay extra for the service? With an independent insurance agent, that’s exactly what you get. An independent agent can shop around for the best insurance based on coverage and price, and you only pay your premiums, as you would for any insurance.

All you have to do is pick up the phone and call an independent insurance agency to provide personal details. The agent can then consider quotes from multiple insurance companies. This agent may also be able to find a deal that you couldn’t on your own. Take a closer look at how an independent insurance agent can benefit you in Texas and Kansas.

What Is an Independent Insurance Agent?

An independent insurance agent doesn’t work for one insurance carrier, but instead represents multiple insurers. By working with an independent firm, you get the convenience of an agent doing your shopping so that you can fulfill your insurance needs in one stop.

Within an independent insurance agency, your agent can take down your information one time and obtain quotes from multiple insurance companies for auto, home, and life insurance.

An independent agent is required by law to act in your best interests. Your agent gets paid by commissions from insurance companies, and commissions can vary. However, an independent agent should act ethically in presenting you with all options available for the coverage you seek.

Other insurance agents that work for one company are known as captive agents. Captive agents can only sell you insurance from the company they work for. You typically can also buy your home, auto, and life insurance with the insurer, but you’ll have to do your own shopping to compare quotes from other insurers. 

Benefits of Using an Independent Insurance Agent

An independent insurance agent may be more motivated to win and keep your business. This means you can get personalized attention from your agent. This agent can help you with:

• Understanding your rates and coverages

• Filing a claim

• Resolving issues that may arise with coverages

• Answering any questions you have

• Pursuing a better rate at renewal time

An advantage to buying insurance from an independent agent is that you can establish a relationship that can last even if you change carriers. An agent will get to know you and your family through working with you and understanding your insurance needs. 

So when a premium increases on renewal or your insurer drops your coverage, you can continue working with the same agent, who can then find you new coverage.

How an Independent Insurance Agency Works

Independent insurance agencies can give you access to most large insurance carriers, except State Farm, which doesn’t work with independent firms. Independent agents also work with small and regional insurance companies, broadening the types of insurance and coverages you might be able to find.

Have an Independent Insurance Agent Shop for You

Independent agents aren’t restricted to showing you options from a single insurance company. When you partner with an independent insurance agent, you can enjoy a wider range of options — and let them do the shopping for you.

Your Independent Insurance Agency Offers Perks You Will Appreciate

In this fast-paced society, it’s unlikely you have time to run around town or even on the internet to track down and compare quotes for your home, auto, and other insurance needs. Wouldn’t it be convenient if you could talk to one person who could do all that research for you?

An independent insurance agent does exactly that. But saving you time and effort is just one of the many perks you may come to appreciate about an independent insurance agency.

What Is an Independent Insurance Agency?

Independent insurance agents in Texas and Kansas don’t work for a single insurance company. These agents typically work for themselves. They are licensed and often have contracts with multiple insurance companies. 

Those contracts say how the independent agent must act to protect your best interests and explain the commission an agent is paid from the insurance companies. 

Perks You Will Appreciate

Being separate from any singular insurance company gives independent insurance agents several advantages that work in your favor.

Personalized Customer Service

Independent insurance agents are motivated to earn and keep your business. They will take the time to: 

• Understand your insurance needs

• Explain insurance products, coverages, and rates

• Answer your questions

• Help file claims

Your agent also works to resolve any issues you might have related to your coverage.

Knowledge and Expertise

An independent agent must learn about many insurance companies, products, and coverages. This means that they are knowledgeable, licensed professionals who can find insurance that serves you best.

Based in Your Community

Every community is different, which has an impact on your insurance needs. An independent insurance agency is based in your local community, giving the agents a better understanding of how to serve your needs.

One-Stop Shop

Because independent agents have contracts with multiple insurers, you can talk to one agent and share both your needs and information at once. The agent will do all the legwork for you, comparing coverages and rates to present choices that align with your goals. 

This saves you significant time and effort. Also, an independent agent can help you find insurance for your home, life, auto, and more in one stop.

A Lifelong Consultant

If you have questions or need help filing a claim, an agent in an independent insurance agency is your advocate and can become a trusted advisor. Your insurance needs may change over the years, so you may switch insurance carriers. But your independent insurance agent, who knows you and has helped guide you, can stay with you.

Duty to Put Your Best Interest First

Independent insurance agents earn a commission — generally between 10% and 25% — for selling products from insurance companies. Keep in mind that the law binds independent insurance agents to act in your best interests. They will present insurance that can cover you and your family against risks, not just products that make them the most money.

With access to large and small insurers and their products, independent insurance agents can provide options to help you get the most for your money — which may be the most important perk of all.

An Independent Insurance Serves You

An independent insurance agency works for you, not the insurance provider. When you choose an independent agent, you partner with a professional whose goal is to get to know you and provide the best insurance that works for you and your family — at the best price.

An Independent Insurance Agency Will Find the Best Policy

If you’re looking for insurance, have you considered working with an independent insurance agency to find coverage that fits your needs?

Independent insurance agents work for themselves and can offer all kinds of insurance, whether it’s commercial insurance for your business or farm or personal insurance, such as home, life, and auto.

When you’re looking for insurance, consider that there are two types of agents: independent and captive.

Agents who work for large insurers like GEICO, Progressive, and Allstate are captive agents who can only sell insurance products from that company. They can provide you with in-depth knowledge about the offerings from their companies, but products are limited.

An independent insurance agency does not have the same limitations. This article will help you see how choosing an independent insurance agent can help you find the best policy.

What Is an Independent Insurance Agency?

An independent insurance agency typically signs contracts with multiple insurance companies, giving independent agents access to a wide array of insurance products to offer their clients. 

Independent agents are required to look out for your best interests. This means they should provide you with coverage options that best fit your needs instead of policies that will pay them the highest commission.

The Benefits of Working With an Independent Agency

When you begin shopping for the insurance coverage you need, there are several advantages to choosing an independent insurance agency to help you find it.

Quotes From Multiple Insurers

Chances are you’re pretty busy. If so, an independent insurance agent may be exactly what you need to find the best insurance policy.

You can sit down with an independent agent and talk through your insurance needs, providing the agent with all the information needed for a policy just one time. The agent can check multiple rates and coverages simultaneously, saving you the time and energy of switching from one insurance agent to the next.

Personal Attention

Independent agents don’t have sales quotas like captive agents to move specific insurance products, and they may be more motivated to land and keep your business. They likely will spend more time learning about your insurance needs, answering your questions about coverage, and working on your behalf to resolve any claims you have.

Keeping Your Agent

As your life changes, so will your insurance needs. This might require you to switch your carrier to get the insurance you need. Working with an independent insurance agency, you don’t have to leave your agent to do so.

Independent agents are licensed, experienced, and update their training and education to maintain their licenses.

You Can Find the Best Policy With an Independent Agent

By comparing many insurance products and coverage, independent insurance agents can often help you find insurance for your business or your personal life. They can provide advice, answer your questions, and explain your benefits. Independent agents also can search for the best pricing, helping you get the best policy at the best price.

How Is an Independent Insurance Agency Going to Find Me a Better Deal?

If you’re like many people seeking a new policy, your first thought is to go to a big insurance company. After all, the bigger companies will give you the best deal, right?

Believe it or not, the big insurance companies usually aren’t the ones finding the best deals for their customers. In the majority of cases, it’s actually an independent insurance agency that will be able to get you the best savings. Here’s why that’s possible.

Independent Insurance Agents Work for You — Not the Insurance Company

If you go through a particular insurance company, you work with what’s known as a “captive” insurance agent. This means that the agent works for the insurance company. They’ll still listen to your needs and help you find a policy that meets them, but their employer doesn’t permit them to compare rates across multiple insurers.

On the other hand, if your agent works with an independent insurance agency, their top priority is finding you the best coverage at the best possible rate. Because they can get you quotes from multiple insurance agencies, they have a much better likelihood of finding you superior coverage for a great rate.

You Get All the Coverage You Need — and None That You Don’t

Captive agents have to strike a balance between your needs and the needs of the company they work for. Their primary goal is to sell you the insurance company’s products, so they may convince you to pay for coverage you don’t actually need.

Sometimes, that extra coverage doesn’t seem like much per month, but it adds up over time. Agents who work with an independent insurance agency understand the need to keep costs down without sacrificing coverage, so they’ll make sure you aren’t stuck paying for anything unnecessary.

Independent Agents Understand Location-Specific Needs

Your exact insurance needs depend on where you live. Typically, an independent insurance agency operates in a limited geographical area, but major agencies are usually nationwide.

Here’s why that matters. If you’re in a flood-prone area, an independent insurance agent will understand that you need to make flood coverage a priority — possibly above other perils like fires or tornadoes. If you work with a nationwide agency, the agent you work with might not even know that there’s a significant flood risk where you live.

You Get Personalized Service With an Independent Insurance Agency

More often than not, major insurance companies prioritize speed. Buying a policy can be as simple as making a few clicks. That might seem appealing, but many people don’t understand potential gaps in coverage and the impact they can have down the line. 

An independent agent can speak with you over the phone or even meet face-to-face to help you identify unique coverage gaps and how to address them.

When You Want the Best Coverage at the Best Price, an Independent Insurance Agency Is Your Best Bet

The right insurance policy often means the difference between adequate coverage and financial disaster. Buying a policy isn’t a process you should rush — and it also isn’t a process you should enter without the help of someone who is working in your best interests. 

When you develop a relationship with a qualified independent insurance agent, you’ll get the benefit of great rates, personalized coverage, and a knowledgeable insurance advisor.

How Is an Independent Insurance Agent Better Than a Captive Agent?

Commercials for large insurance companies are a common sight. But deciding which insurance is right for your family can feel daunting, especially with the safety and future of your family on the line. Understanding how certain insurance options differ can be a great place to start.

For example, many people aren’t familiar with the concept of an independent insurance agent vs. a captive agent. What is the difference between these two types of insurance agents exactly, and is one a better option than the other? Here is why an independent insurance agent can be a better option than a captive agent.

Independent Agent vs. Captive Agent

An independent insurance agent and a captive insurance agent differ in the number of insurance products they offer, as well as the variety of insurance products. Both types of agents will work to find the insurance that fits your needs, but the similarities end there.

An independent agent works in an independent insurance agency that represents more than one insurance company. This means that the independent insurance agent can present you with a range of options for both products and prices.

By working in an independent insurance agency, the agent also isn’t constrained by corporate policies and quotas that might be found at single-insurer companies. As a result, an independent insurance agent may offer more personalized advice and service.

Unlike the independent insurance agent, the captive agent works for a single insurance company and can only sell that company’s products. Typically, corporate policies and requirements limit and restrict captive agents from offering flexibility with pricing and on a smaller number of products.

Advantages of an Independent Insurance Agency

When you’re looking to protect your family against financial losses, an independent insurance agency can provide distinct advantages over a single insurance company. Your independent agent can:

• Provide More Options: You can compare many prices and products

• Help You Save Money: You can access lower rates and discounts not found with a captive agent

• Advocate for You: You have someone who can help with claims and policy changes

• Offer Personalized Advice: Your agent has your interests at heart, not a company’s

• Build a Relationship: Your agent has time to get to know you and your needs

• Serve as a One-Stop Shop: All of your insurance needs — life, health, home, car, business, or farm — can be met in one place

• Provide the Same License and Experience: You get professional service and guidance with the same license as a captive agent holds

Many consumers believe bigger is better. But when it comes to giving you more to help mitigate risks for your family, an independent insurance agency has you covered.

An Independent Insurance Agency Can Meet All Your Needs

Finding the right insurance for your needs can feel like an overwhelming task. But by turning to an independent insurance agent, you can benefit from a better range of pricing and product options and enjoy the peace of mind that all of your insurance needs can be handled in one place.