5 Reasons to choose an Independent Insurance Agency

Independent Insurance Agencies

With the numerous insurance plans in the market today, it can get overwhelming to choose the right ones for you. Choosing the right insurance plan that suits your needs is of utmost importance as it can make or break your financial well-being.

Whether you’re looking for auto insurance, homeowners insurance, or motorcycle insurance, you must choose the plan that not only provides complete protection coverage but also doesn’t cause a lot of stress.

Independent insurance agents are employed by their agency, representing multiple insurance companies and working on behalf of the client to find them a policy that is tailor made for their requirements.

This means they’re able to research insurance plans and compare prices to find the best combination of price, coverage, and service for each customer’s unique insurance needs. Independent insurance agencies can provide you with multiple choices because they are not tied to one insurance company.

Here are our top 5 reasons for you to choose independent insurance brokers or agents over captive insurance agents:

They give you a choice

With their connections and their knowledge of the market, independent insurance agents can often find a better value for your dollar than you might find searching on your own. They usually represent five to eight insurance companies, and so, they usually have plans that are almost custom made for you.

They are professionals

Independent Insurance agents are licensed experts. They have complete knowledge of insurance plans and can suggest a few depending on your requirements. Since they represent several insurance companies, they have information and data for several plans. They sell what is right, instead of what they have.

They offer one-stop shopping

Independent agents can often meet all of your insurance needs with the companies they represent, providing auto, homeowners, renters, and business coverage. Many agencies also offer life and health insurance. This also helps you limit the number of different companies you deal with and allow you to stay organized.

They represent YOU

Independent insurance agents only have your best interests at heart. They do not have to follow the strict rules that come with being a captive agent, and they can focus on helping you instead. They can provide you with honest information, instead of hiding the downsides of an insurance plan due to company binds.

Save Time and Money

Instead of providing you with an instant rate, independent insurance agents will ask questions and take the time to familiarize themselves with your business to ensure that the coverage they design will adequately protect you and your assets in the event of a claim. They ensure that you save time and money in the long term as well.


A small, local independent insurance agency has a better understanding of the environment it serves and can often understand the needs of their clients. This makes it easier for them to find the appropriate insurance plan for all your needs, such as auto, home, commercial, and business.