The Independent Insurance Agent's Advantage

In California, the independent insurance agent has the advantage over captive agents and direct insurance companies, as independent insurance agents do not hold loyalty to any one insurance company.Instead, they represent many different insurance companies and can, therefore, provide you with the most comprehensive and competitive quote. Often times Independent agents also have access to multiple carriers that only work with independent agencies. In most cases, an independent insurance agent will be able to provide you with quotes from companies that you would not be able to access directly or through a captive agent. When you are working with an independent agent they can quote multiple carriers. Larger independent agencies frequently work with upward of one hundred insurance companies. The benefit to the consumer is that all they only provide their information to one agent who can do all of the work for them. Most agents can input your information into their software and instantly see the rates of several, if not all, of the insurance companies that they represent. With so many options the independent agents are able to insure a higher percentage of the clients that request quotes from them than captive agents or direct insurance companies. The more companies that they represent, the higher the likelihood will be that they will be able to provide you with the most competitive auto insurance quote. Captive agents, on the other hand, are only able to do business for the one insurance company that they represent or a limited number of companies within the family of companies that they represent. Direct insurance companies, also, can usually only provide you with quotes from one company. One call to an independent insurance agency connects you with many highly rated insurance companies and can get you the most competitive rate. Get your quote online today or call 530.923.2930 License 0G13612.