When shopping for car insurance there’s a number of routes to go which include everything from in person to online. In a highly competitive market like this, you can get a quote online, contact one of the big insurance companies to get a quote and purchase coverage, or shop around with a single independent agent. Out of all three methods, choosing an independent agent is going to put you in the best position for complete coverage.

But what exactly is the difference between a captive agent which is a big company employee such as someone that works directly for Geico or State Farm, and a standalone independent agent?

Captive agents can only sell their products. This isn’t going to benefit you much, mainly because they have complete loyalty to one company, and can’t sell anything else. This is where an independent agent takes the cake, as they know the positives and negatives of policies from a number of companies. If one isn’t the best fit for you, they’re not going to push it on you like a Geico captive agent would for their Geico products for example!

There have been times where I’ve called in to a big insurance company through their 1-800 number to test things out. I’ve found that it’s not all that uncommon to find their captive insurance agents misinforming you on what coverage exist and don’t under their policies! One company I won’t name told me there was uninsured and underinsured motorist coverage when this wasn’t even offered. Imagine if I was in a car accident assuming I purchased a policy with this!

Independent agents have to stay on top of their game more than a big insurance company agents do mainly because they sell for a number of different insurance companies, which means there's minimal bias!

These are the main pieces to building a solid and supported insurance policy with all of the necessary coverage components. Before you make any decision on buying insurance, take some time to meet with the top independent agents in your area. This will get you started and on a path to full protection with your coverage.

The best board certified Virginia personal injury attorney will be able to help you if you have been in a car accident, or if you just have any questions about your insurance policy. You can ask Ben Glass a question at Justaskbenglass.com

Ben Glass
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Ben Glass is a nationally recognized Virginia injury, medical malpractice, and long-term disability attorney