Learn why you should choose an independent insurance agent over a captive agent

When you are shopping around for insurance, there’s a number of ways you can go to find options on different policies. In a highly competitive market like this you can get a quote online, contact one of the big insurance companies, or shop around with a single independent Herndon, Virginia insurance agent. There’s no doubt in my mind that choosing an independent insurance agent to put you in the best position for complete coverage.

So what separates an agent that works only with Geico or State Farm, and an independent insurance agent?

Going with a captive agent is a very narrow approach. The biggest reason I would say avoid this is mainly because it’s self-limiting. These agents are obligated to promote and sell only their products and services, which does not keep your best interests in mind. This is where an independent agent can really separate from a captive agent, as they know the positives and negatives of policies from a number of companies, often including the big company that the captive agent works for. If one company’s policy and quote 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.

When calling into the 1-800 numbers you see all over TV, it’s not uncommon to hear that you may hear one thing from one agent but then another thing from a different agent. I decided to test things out myself. I’ve found that it’s very common for captive insurance agents to misinform people on what coverage exists 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 big insurance company agents do mainly because they sell for a number of different insurance companies. This is clearly a huge advantage for they have over the captive agent!

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