Independent Agents vs. Captive Agents

The insurance industry is often times misunderstood. Other than price, most people have been brainwashed, unfortunately by many of the TV/radio insurance ads that flood the airways, into thinking all insurance is the same. It’s not.

Even the type of agent you work with can vary. There are two different types of insurance agents and the differences between the two are significant: 

• Independent agents: (aka me) works for you, not for a specific insurance company. We have relationships with a variety of different insurance providers and can use these relationships to find you several suitable policies at competitive rates.
•  Captive agents: (aka State Farm, Nationwide, Allstate, GEICO) works exclusively for one specific insurance company. If you work with this type of agent, you will need to comparison shop with other companies in order to be sure that you are getting a suitable policy at a reasonable rate. 

Finding a good insurance professional should be no different than finding a good doctor, dentist or attorney.
I recommend you deal with an agent that is going to take the time to get to know you and your needs.