is an independent agent and why should I use one?
An independent agent is one who is not tied to any
insurance company. We represent you, the consumer,
and not the insurance companies. Although we have
relationships with many insurance companies, we
are not obligated to any one of them to give them
your business. We are free to shop your needs to
any companies with which we make contact.
Other agents, known as direct-writers (State Farm,
Allstate, Nationwide, Geico, etc.) are very good
at what they do. However, if they cannot solve your
situation, they do not have the ability to write
your business through another company.
What type of insurance do you write?
We are a property/casualty agency. We write the
insurances that most people are obligated to have.
This includes private passenger automobile, homeowners
and commercial products such as general liability,
commercial property, workers’ compensation,
business auto and any other lines associated with
a business. We do not write life and health insurance
directly. For those lines, we have relationships
as old as 25 years with people who are experts in
these particular fields. We are more than glad to
refer you to one of those experts.
Should I shop my insurance every renewal?
Many people feel the need to do this. We recommend
that your policies be shopped every 2 – 3
years. The insurance companies don’t change
their programs or pricing as frequently as every
year. We have found that a significant change may
be found by reviewing the policies every 2 –
3 years. Shopping more frequently than that can
usually lead to very little savings (if any), some
frustration and a great deal of unnecessary work.
Additionally, we suggest that if your agent has
been doing that for you and you are pleased with
him/her, why not let them continue to do so? We
like loyalty and believe that if your agent has
done his/her job well, then why not return his/her
loyalty by letting them do the shopping for you?
Once you write my policy, with whom do I
Again, being independent agents, we represent you.
Once you have your insurance with us, you will deal
only with us, except during claims. When you add
or delete a vehicle, move your residence, experience
a loss or simply have a generic insurance question,
we are your point of contact. For claims, you would
report it to us. Afterward, you will deal with an
adjuster. We only get involved if you are having
a problem with that adjuster (which is very seldom).