Why buy car insurance from an independent agent or broker?
Independent agents have local offices in your community, but unlike captive agents, they don’t represent one single company. Instead they represent you, the customer, and work with many different providers to get the most competitive prices. Insurance brokers do business the same way but are often part of larger brokerage companies.
Dozens of insurers sell through independent agents, including Travelers, The Hartford, CNA, Berkshire Hathaway Guard, Merchants, Utica National and many more.
Independent agents and brokers often work on commission, which means they have motivation to provide great service and keep your business for the long haul. They have the ability find the right policy for each individual or business.
GOOD CHOICE FOR YOU IF:
You like the idea of dealing with an agent but want more price and coverage flexibility than captive reps can provide.
You want someone who can explain the complex parts of your policy. Independent agents deal with many insurance companies and may have a greater sense for how certain regulations and contract details vary from one company or state to the next.