First, let’s get into the two types of Insurance Agents: Direct and Independent. Direct Agents are Insurance Agents that issue policies for and represent one company only. Independent Agents are Insurance Agents that issue policies for and represent numerous companies. Here is a list of reasons why going with an Independent Agency is the better option:
Since Independent Agencies represent more than one Insurance company, they are able to ‘shop around’ and find you the best rates while ensuring you are covered properly.
If your insurance needs change frequently, it is easier to adjust policies through an Independent Agency because if one company’s coverage selections do not meet your needs, there is the option to get re-quoted through a different company that does offer those coverages.
Direct Insurance Companies often have agents that leave for other companies or the current rates go up too high leaving you, the insured, moving your policies out of that company to somewhere else. This means that the chance of getting bounced around from agent to agent is high. With an Independent Agency, the ability to retain the same agent is high because even if your rates go up with one company, that agent has the ability to quote you through all of the other companies they represent.
Choosing the right Insurance plan for your needs is already hard work, let alone choosing the right Insurance company. By joining our Independent Agency, you are taking that extra burden off of your shoulders since we will do the work for you when it comes to finding the right company. As Independent Agents, we know that there are endless choices when it comes to Insurance Companies so we truly value our clients for choosing us. It is our goal to make each and every one of them feel like family and provide them with top-notch customer service!