Find an Agent


Get an Insurance Quote Now! Online or directly with a Member Agent.

Search Blog

Enter Keyword
Filter by Category

8 Reasons to Use an Independent Insurance Agent

Sleep better knowing an Independent Insurance Agent is on your side.

First off, what is an Independent Insurance Agent?

There are two kinds of insurance agents, Captive Agents and Non-Captive, or Independent Insurance Agents. 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, which may include The Hartford, Safeco, or Travelers. This broader selection offers more resources to find coverage that best suits your personal situation. To an independent agent, the customer comes first.
Consumer Light Blub Goes On!
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.


How do you locate an Independent Insurance Agent? can connect you to an SIAA Certified Agent within or close to your zip code anywhere in the continental United States.


“The information on this site is general in nature. Any description of coverage is necessarily simplified. Whether a particular loss is covered depends on the specific facts and the provisions, exclusions and limits of the actual policy. Nothing on this site alters the terms or conditions of any policies, nor does it provide any guarantees. You should read your specific policy for a complete description of coverage.

Share Blog Post


Comments (0)

Page 1 of 1First   Previous   Next   Last   


Do You Track and Document Your Home Improvements and Repairs? You Should!

Is your homeowner's policy up for renewal? Don't forget to track and document all your home improvements and repairs!

Penalty Free Super Bowl Party

If you’re hosting a Super Bowl party, you are probably already devising a menu in your head. Chips? Check. Wings? Check. Beer? Check. Lawsuits?

The Heat Is (Safely) On

Home Fires Are More Prevalent In Winter

Oh No – It’s time to prepare for the coming winter!

You need to prepare now and there are a few insurance related areas you should think about when it comes to your winter preparedness.

Who needs Errors and Omissions (E&O) Insurance

Why Do Individuals and Companies Need E&O Insurance? Because We All Make Mistakes.

Should you buy pet insurance?

As vet bills continue to increase, pet insurance is an option to consider.

When Can I Drop Collision Coverage?

Is your car aging and depreciating. Is it time to cancel your collision coverage? How do you decide?

Do you need storage unit insurance?

Stuff, stuff and more stuff. Is my strorage unit covered under my home insurance?

What is an Annuity?

Annuities are designed to grow investment funds over a long period and produce a steady income during retirement.

Beginning Drivers and Car Insurance Requirements

When do I add a teen driver to my car insurance policy?

Tips to Protect Your Small Business From Fraud and Cybercrime

Companies with less than 100 employees lose approximately $155,000 each year to fraud.

Does My Roommate Need Renter's Insurance?

Does My Roommate Need Renter's Insurance? Some renter’s insurance policies cover roommates, but most do not.

Car Rental Insurance – Do I Need It?

Answer these questions now and be prepared for this summer’s excursion!

8 Common Gaps in Homeowners Coverage

8 Common Gaps in Homeowners Coverage – which may or may not be covered in your homeowners’ policy!

Uninsured Auto Coverage

In 2009, 13.8% of motorists, or about one in seven drivers, were uninsured.

On Which Social Media Site Will Your Agent Find You?

Not only do you as an individual and consumer seem to “have to” pick a social media site, but business people (including your local independent insurance agent) have to determine which site you might be using.

Collectibles: Are They Insured?

You may have spent years obtaining your collection, do not take a chance on losing it in one day.

Life Insurance: Term vs. Permanent

There are two main types of life insurance: Term and Permanent.

Insurance Grace Periods

It is important to review your coverage and learn of the specific grace periods surrounding your individual policy.

Car Insurance and Deer Accidents

Comprehensive car insurance covers damage to a vehicle caused by striking an animal.

Page 1 of 3First   Previous   [1]  2  3  Next   Last   
Home | Why Us | Insurance Types | Blog | Terms | Privacy | Webmaster
© 2014 AMP’d Marketing Services, LLC.