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Shop For Insurance and Be Guaranteed a Competitive Rate...
Author: Jordan Walt
without calling everyone in the phone book, or spending all day on the internet. People say you need a quote from at least 3 different insurance companies to make sure you find a competitive rate. One independent agent can easily do this in most cases. For example, our agency represents over 20 different personal and commercial insurance companies. The article below goes into more detail on this topic.

There’s a relatively unknown market in the insurance industry that consumers need to know about. This is a market where a single agent can offer you multiple choices from multiple companies. This is the independent insurance agency market.
When you have an independent agent (IA) who you know and trust, you shouldn’t have to find a new agent again. As an IA you have the ability to “shop” a customer with numerous insurance companies, finding them the best rate and coverage, so they don’t have to. Imagine what happens the next time the renewal comes on your insurance and the premium is suddenly $500 higher than it was before. With an IA, all you need to do is call. They have the ability to try and find a similar policy with another company; you haven’t changed agents, given personal information to strangers, or gone through the monotonous task of shopping your insurance. Instead, you left it to an expert.
Depending on the size of the agency you are dealing with, they may represent over 20 different companies. This means you no longer have to go online and fill in the boxes, deal with 1-800 numbers, or “call-around” to different agents, each with one company to choose from.
Why have so few people heard of this market? While these companies do represent multimillion-dollar organizations, and some of the largest organizations in the world (i.e. AIG and Zurich), the majority of these agencies are smaller companies, not having the resources to launch advertising campaigns to the mainstream market via television, radio, and other forms of media advertising.
Independent agencies have actually been around longer than the captive market (i.e. Farmers, Allstate, etc), and typically have been known to write the majority of commercial insurance. Captives have taken a larger percentage of the personal lines (home, auto, etc.) market, even though an IA can generally offer them comparable, if not better, coverage. This is due to the captive companies having millions of dollars to put into advertising to draw in the consumer. On the other hand, many people never know what an independent agency even is. This gives the captive market an obvious advantage, but as people become more educated on this topic, more will look to the independent segment to meet their insurance needs.
An IA can obviously bring a lot to the table for any consumer, the real question is: Why are consumers not bringing more of them to the table?

By: Jordan Walt, Independent Agent for AIC Insurance Agency: www.aicinsco.com

About the Author

A Graduate of Oregon State University and an agent for AIC Insurance Agency.

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