What is an Independent Insurance Agent and Why Might You Need One?


With so many different insurance companies currently operating in the United States, there’s no shortage of places to go to make sure you’re covered in any circumstance. 

But sometimes, having too many options is actually a bad thing. This makes it hard to narrow down which companies offer the best policies for the right price. 

Fortunately, you don’t have to go it alone. If you use an independent insurance agent, you’ll have a knowledgeable professional there to help you find the best policy, regardless of the type of insurance you need. 

So, what is an independent insurance agent and when should you work with one? We answer these questions (and more!) below.

What Is an Independent Insurance Agent?

There are two types of insurance agents: captive and independent. A captive agent works for a particular insurance provider, so they can only sell policies from that company. 

An independent insurance agent, on the other hand, doesn’t directly work with a particular provider. This means they have the freedom to offer you policies from any number of insurance companies, based on your needs and your budget. 

Because they’re not loyal to one particular provider, you’ll have peace of mind knowing that they are always looking out for your best interests to find you the coverage you need. 

When Should You Use an Independent Agent?

Anyone can use an independent insurance agent when shopping for a new policy. The best time to look to an independent agent is when you don’t have the time or desire to review dozens of different policies to find what best serves your needs. 

Instead, you can save time by meeting with a local independent insurance agent who’s well versed in the intricacies of the different policies that are available to you. 

Benefits of Using an Independent Insurance Agent

Now that you know more about what an independent insurance agent does, how do you know if you should use one? Here are just a few of the benefits:

  • Local independent insurance agents know specific state insurance requirements
  • You can have the same point of contact, even if you change providers
  • They’ll find you a unique policy that fits your needs instead of “one size fits all” coverage
  • You can support a local business within your community

With an independent insurance agent on your side, finding coverage is a breeze.

How to Find an Independent Agent

If you want to find an independent agent for yourself, do a simple online search for “independent insurance agents near me.”

Pick a few results and click through their websites, read customer reviews, and contact them for more information. You might also ask your friends or family members if they have an agent to recommend. 

Insurance Made Easy

After reading through this brief guide, you should have a better understanding of how an independent insurance agent can help you. With the right agent on your side, you can find the best policy to make sure you’re protected. 

For more helpful advice like this, make sure you bookmark our site and check back daily for new articles.


Please enter your comment!
Please enter your name here