5 reasons to work with an independent insurance agent

June 17, 2017 | SECURA Insurance

Catchy ads and cut-rate pricing may appeal to some, but they can’t replace the value of working with an experienced independent agent. The key words when choosing an agent are “experienced” and “independent.”

An independent agent can help you understand your coverage needs and help you find an insurance company that meets them. A captive agent only has one company’s coverage options to offer. Online agents also only sell one carrier’s policies and the policies are sold online and over the phone. Without a lot of overhead, they may be able to give you cheap price, but the coverage could be lacking.

The additional perspective of working with an independent agent gives people seeking insurance a definite advantage. Whether you are searching for a home and auto policy or insurance for your small business, here are five reasons to work with an independent agent.


Experience – Insurance can be confusing, and it’s tough to know which carriers are good to work with, especially when filing a claim. An independent agent has experience working with multiple carriers and can offer greater perspective that a captive agent cannot. Plus, SECURA works with established, experienced agents who meet our high standards of customer service.

Comparison shopping – You can compare carriers and products to help you find the most effective coverage at the best value. Because an independent agent has access to multiple insurance companies, they are able to offer you competitive pricing and quality service.

Assistance – Comparing apples and oranges is never easy. Each insurance company offers different coverage options, and an independent agent can help you sort out which are best suited to your needs. Plus, they work for you, not the insurance company, so they have your best interests in mind.

Customized coverage – Do you need a combination of coverages for your home or business? Independent agents understand the nuances of policies and coverage options from each of their carriers and can leverage these products to your advantage.

Navigating claims – Captive agents are obligated to watch their insurance company's bottom line. Independent agents are free to represent you, their client, and advocate on your behalf after filing a claim, so you can get back to business as usual.

If you’re looking for insurance, speak to an independent agent about your needs. It will be time well spent. Let us help you find an independent insurance agent in your area.

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