How Independent Insurance Agencies Offer the Absolute Lowest Rates

There’s insurance you’re required to have by law and insurance you want to safeguard you, your family, and your assets. Auto, home, health, life, and commercial insurance can get complex — and expensive — quickly.

An independent insurance agency can simplify things for you, helping you find the coverage you need and want at the lowest rates.

Why Independent Insurance Agents Offer the Lowest Rates

Independent insurance agents want to earn and keep your business, so they put your interests first. Here’s why that focus on you means the absolute lowest insurance rates possible.

Working With Multiple Carriers

Independent insurance agencies work with many different insurance companies. When you tell an independent insurance agent your needs, they can begin comparing quotes from multiple carriers simultaneously.

The carriers know the agent is comparing coverages and costs to find you the best deal. Contrast this with a captive agent, who sells a single company’s insurance and can’t offer you other options. The competition an independent agent creates by comparing multiple carriers’ quotes helps drive the quality of your policy up and the price down.

Tailoring Your Coverage

If you’ve ever read through your insurance policy and wondered if all the coverages were necessary, you’re not alone. Captive agents want to sell you policies that meet their company’s quota or earn them the highest commission, but these policies might not be well-suited for your needs.

Independent insurance agents are well-versed in insurance. After taking the time to learn about your circumstances and preferences, they can explain and weed out coverage options, helping you find a policy that’s tailored to you. You can save money by only paying for the insurance you need.

Understanding Your Market

You have a good chance of finding an independent insurance agent that lives in your community. Many independent agents work in the communities where they grew up or have lived for a considerable amount of time. That works to your benefit.

An agent who understands your community’s climate and weather, traffic, and other risks can factor those risks into your home, auto, and other insurance needs better than an agent who lives elsewhere. Understanding your risk environment can keep you from paying for insurance that might not be appropriate for your region.

Seeking Out Discounts

Your insurance agent should be looking for every way you might qualify to lower your insurance premium. Ask your agent to review your policies for possible discounts for vehicles and vehicle equipment, homeownership, auto-payment and early renewals, education, and more.

One often overlooked avenue is group discounts, such as those for a professional group, fraternity or sorority, AAA membership, military service, or credit unions.

There are so many possible group discounts that it can be difficult to know where to start looking. An independent insurance agent will know that these discounts are out there and take the time to track them down for you.

Independent Insurance Agents Can Provide the Best Deals

Independent insurance agents can save you money in numerous ways, from comparison shopping to guiding you toward beneficial discounts. When you’re looking for auto, home, health, life, or commercial insurance, an independent agent can help you find a solid deal — and lasting peace of mind.