What exactly is an Independent Insurance Agent? Here’s everything you need to know
You need insurance. We all do. In some cases it’s required by law, in others it’s required by the unwritten code of being a responsible adult that owns things. So, what’s the best way to buy it?
Online or with an agent?
And then what kind of agent – independent or captive?
At Macchione Richardson Wagner Insurance, we think life is complicated enough; your insurance doesn’t have to be.
What is an independent insurance agent?
An independent insurance agent is a trained and licensed professional that tailors programs to meet their customer’s specific needs. They can do this because they work with many insurance carriers, rather than just one. They are locally based and operate out of their own local insurance agency. And at MRW Insurance we are proud to be an independent insurance agency.
This may surprise some people, but as an independent agency, we’re also a small-business. Our agents are not employees of the insurance companies whose products we offer, but rather working on behalf of our customers to obtain policies from a variety of insurance companies.
What’s the difference between independent insurance agents and other insurance agents?
The main difference is that independent insurance agents offer more choices than captive/exclusive insurance agents. Captive/exclusive agents offer only one insurance company’s products. This means they can only place your policy with that one company. Independent agents, on the other hand, have options. They can place your policy with one of the several insurance companies they work with to make sure your unique needs are met.
So, what’s the best way to buy insurance? If you ask us, an independent insurance agency like the team at MRW Insurance.
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