Why an Independent Agency Gives You an Advantage
There are two different kinds of insurance agents. When you seek help finding the right California insurance, you can choose to work with either a captive or an independent agent. The differences between the two are noteworthy.
- Captive insurance agents: These agents are typically very restricted in what they can offer you because they work only for one big-name insurance company. You will therefore need to obtain policies and rate quotes from other insurers if you want to be sure that you are getting your policy at a reasonable rate. Because they only work with one insurance company, captive agents have a limited ability to customize policies to meet your unique coverage needs.
- Independent insurance agents: These agents, on the other hand, work for you instead of a specific insurance company. Most have relationships with several different top-rated providers, and they can use these associations to find you appropriate policies at competitive rates. They are able to build customized coverage packages in a way that captive agents cannot, and this enables them to create policies that that are well suited to your particular coverage needs. When you get your California insurance through an independent agent, you can have all your policies conveniently handled through one office and one agent.