How We Work

An Independent Agency

Independent agents don't work for an insurance company; instead, they sell insurance from multiple companies.

That means you always have an expert on your side who can find the best policy and savings for you. As your needs change, your agent will be there to make sure you have the right protection.

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How Does an Independent Insurance Agency Operate?

  1. Partnering with Multiple Carriers: Independent agencies maintain relationships with several insurance companies, offering customers a variety of options for auto, home, commercial, and other types of coverage.
  2. Needs Assessment: Independent agents start by understanding their clients’ unique circumstances and needs. They evaluate factors such as budget, risk exposure, and specific coverage requirements.
  3. Policy Comparison: After gathering client information, agents use their access to multiple carriers to compare policies and rates, ensuring the best match for the customer.
  4. Ongoing Support: Independent agents provide ongoing service, including policy adjustments, claims assistance, and annual reviews to ensure clients always have the right coverage.

Benefits of Working with an Independent Insurance Agency

  1. More Choices: Independent agencies can offer policies from a wide range of insurers, giving customers access to more options. This diversity ensures that customers find coverage tailored to their unique needs rather than settling for a one-size-fits-all policy.
  2. Unbiased Advice: Unlike captive agents who represent a single company, independent agents prioritize the customer’s best interests. Their unbiased advice helps clients make informed decisions.
  3. Competitive Pricing: With access to multiple carriers, independent agencies can compare rates to secure the most cost-effective solutions without compromising on coverage quality.
  4. Personalized Service: Independent agents take the time to understand each client’s needs, offering a level of personalized service that large insurance companies often cannot match. They’re also more likely to be available for questions or concerns.
  5. Claims Advocacy: Filing an insurance claim can be a daunting process. Independent agents act as advocates for their clients, guiding them through the claims process and ensuring fair treatment from insurance companies.
  6. Flexibility with Changing Needs: As life circumstances evolve, insurance needs may change. Independent agencies can quickly pivot and find new policies or carriers to better suit updated requirements.
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Why Customers Prefer Independent Agencies

Customers appreciate the ability to compare multiple options without doing all the legwork themselves.

Additionally, independent agents often build long-term relationships with their clients, providing continuity and trust over time.

Choosing the right insurance can be a complex decision, but working with an independent insurance agency simplifies the process.

By offering a wider range of choices, personalized service, and expert guidance, independent agents ensure that customers get the coverage they need without overpaying.

Whether you’re insuring a car, home, business, or more, an independent agency can be a valuable partner in protecting what matters most.

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* Disclaimer: The information provided on this website is for general informational purposes only and does not constitute legal, financial, or insurance advice. Coverage options, terms, conditions, and exclusions vary based on individual circumstances and the policies issued. For specific details about your coverage, please refer to your policy documents or consult with a licensed insurance agent. Insurance Select is not responsible for any errors or omissions in the information provided or any actions taken based on it.