Independent vs. Captive
Are you in the market for new insurance?
Whether it is your first time shopping for insurance or you are an experienced consumer, an independent agent is an excellent resource. You can benefit from an independent insurance agent, because they have the ability to shop your policy through multiple carriers to find the most competitive premium. A captive agent can only offer you insurance coverage through the carrier that they are employed by. Ultimately what that means is that you, the consumer, gets the best coverage for the best price. Now that's a steal! If you're still not sold, consider the knowledge and expertise available when you work with a independent agent. The agents pride themselves on being well-versed in their understanding of the multiple carriers so that they can better address each clients needs by walking them through the options and thoroughly explain the ABC's (and DEF's) of homeowners insurance, or the difference of Comp vs. Collision in regards to auto insurance. An independent agent will make sure that all assets are properly covered and search for any and all discounts available.