Fact: When you shop for insurance, you don’t typically buy it direct from an insurance company, you buy insurance through an agent that helps you find a policy to suits your needs. However, not all agents are equal. While they all might look similar, there are differences. What many people are not be aware of is that there are two major kinds of agents that you have to choose from, and this choice can make a big difference in the overall value you receive. The two types of agents are talking about are a captive insurance agent and an independent insurance agent.
A Captive Insurance Agent
A captive insurance agent represents a single company such as State Farm, American Family, or Farmers Insurance. Because they are tied to only one insurance company and sell their products exclusively, they are seen as a “one size fits all” solution by many.
The Independent Insurance Agent
An independent insurance agent represents many insurance companies. Because they represent a number of financially sound insurance companies, they can check for the best insurance rates for your particular situation. Instead of a “once size fits all” solution, they can provide tailored solutions for every customer.
If you have not worked with an insurance agent before and would like to see all your options before you select a policy, working with an independent insurance agent is your only choice. In a way, they’re a one-stop convenience store because they can provide you with a complete range of products. Instead of having to hop from one insurance company to another to compare or change policies, all you have to do is call your independent insurance agent and you’ll get the help that you need.
In a nutshell, here are the major benefits of an independent insurance agent:
- Wide range of products offered (home, auto, life insurance) from different companies
- The best price and value for policies that fit your budget and your needs
- Ease of comparison between insurance providers
- Ease of switching from one insurance company to another
- Personalized service and customer satisfaction
Couri Insurance has the expertise and the relationships to find policy to meet your specific needs and budget. Feel free to drop by our main offices at 379 West Main Street, Waukesha, WI 53186 so we can help you today. For more information or if you have any questions, don’t hesitate to contact us directly.
