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What is an Independent Insurance Agent?

Why choose an Independent Insurance Agent?

Some people think it doesn't really matter where they buy their insurance. But this misconception could be costing them money, service and protection. Buying insurance isn't like buying bread or mild. Insurance is an important safety net for your family, you home , our car or your business. Don't treat the purchase lightly!

There is a difference in where you buy your protection. Many people don't realize there are three sources for insurance:

	Captive Agents, who can sell you insurance of only one company.
	Telephone Representatives, who can offer you the insurance of one company and only on the telephone.
	Independent Insurance Agents, who represent an average of eight insurance companies and research with these firms to find you the best combination of price, coverage and service.

What is an Independent Insurance Agent?

An Independent Insurance Agent:

• Is a licensed professional with strong customer and community ties.
• Gives you excellent service and competitive prices because your agent can access the insurance coverage from more than one company.
• Unlike captive agents, is not attached to any one company and therefore you don't need to change agencies as your insurance and service needs change.
• Assists you when you have a claim.
• Is you consultant working with you as you determine your needs.
• Offers you a choice of insurance plans and programs.
• Is a value hunter who looks after your pocketbook in finding the best combination of price, coverage and service.
• Offers one-stop shopping for a full range of products-home, renters, auto, business, life and health.
• Can periodically review your coverage to keep up with your changing insurance needs.
• Treats you like a person not just a number.

Customer satisfaction is the key to an independent agent's livelihood. So, serving you in your independent agent's most-important concern.