All insurance providers are the same—it doesn’t matter who you buy your insurance from | Insurance Myths

• Advantages: Independent agents typically have access to a variety of policies from different companies, offering more flexibility and options.
• What to Ask: How many insurance companies does the agency represent? Some agents work with a wide range of carriers, while others are limited to just one or two. The more companies an agency works with, the more options you’ll have to find coverage that fits your needs and budget.

Captive Agents

Captive agents represent a single insurance company—the only policies they can offer are from the firm they work for. Ex. Allstate or State Farm.

• Advantages: Captive agents often have in-depth knowledge of their company’s products.
• Limitations: Your choices are limited to what one company offers, which may not always provide the best fit or value for your needs.

Direct Writers

Direct writers sell insurance directly from their company, typically online or over the phone. While this can seem convenient, it lacks the personal touch of working with an agent. Ex. Geico

• Advantages: They may offer quick and straightforward purchasing processes.
• Limitations: Without face-to-face interaction, it’s harder to get tailored advice and guidance.

🎯Why It Matters

Your choice of provider impacts:

1. Coverage Options: Independent agents can typically compare multiple companies, while captive agents and direct writers are limited to one.
2. Service: Independent agents offer personalized support and guidance, whereas direct writers often lack this level of service.
3. Price: Shopping through an independent agent can help you find a better value by comparing multiple companies.

✅Make the Right Choice

Finding the right insurance isn’t just about getting a good deal—it’s about finding the coverage that fits your needs and having an advocate you trust. Contact us today to discover the best options for your situation.