When it comes to insurance, there are two types of agents: captive and independent. Captive agents work for a single insurance company, while independent agents represent multiple companies. Here are four reasons why you should use an independent agent instead of a captive agent.
1. Access to Multiple Carriers captive agents can only offer the products of the company they work for, independent agents have access to multiple carriers. This gives you more options to choose from and the ability to find the best coverage for your needs.
2. Better Service
because they are not tied to one company, independent agents are more likely to offer unbiased advice and better customer service. They also have a vested interest in making sure you’re happy with your coverage since they could lose your business if you’re not.
3. More Negotiation Power
with multiple carriers at their disposal, independent agents have more negotiating power when it comes to getting you the best rates. Captive agents, on the other hand, are limited to the rates their company offers.
4. Greater Convenience
in addition to offering a wider range of products, independent agents are also typically more convenient to work with. They can do things like shop around for the best rates on your behalf and help you file claims with multiple carriers.
If you’re looking for the best possible coverage at the best possible price, an independent insurance agent is the way to go.
For more information or to get a free tailored Insurance Proposal, please contact Faithful Insurance, who serves the State of Arizona for the following insurance coverages:
- Car Insurance
- Home Insurance
- RV Insurance
- Motorcycle Insurance
- Business Insurance
- Umbrella Insurances
- Classic Car Insurance
- ATV/UTV Insurances
- Boat Indemnity and more