Are all insurance agents the same?
To get the best deal on insurance, many people consult an insurance agent or broker. But did you know that there are different kinds of insurance agents and brokers — and the one you choose can make a big difference in the type of service you get and the choices you’re offered? Here’s the difference:
Captive Agents and Brokers — Captive agents work with a specific insurance company, and as part of their business agreement with that company, they can offer only that company’s insurance products. They may also be required to sell other products from that company, such as annuities and investment plans.
Independent Agents and Brokers — Independent agents and brokers can offer products from many insurance companies. This helps them better serve your interests, as they can review multiple options to find a policy and rate that’s right for you. Insurance rates vary from company to company. Independent agents can put together a customized insurance plan.
If you’re ready to contact an independent agent to talk about saving money on car insurance, here are a few things to consider:
Has your life situation changed recently? If you’ve recently moved, gotten married, had a birthday or experienced a similar life milestone, mention this to an independent agent or broker. You may be eligible to save money on your car insurance. Also if your car is getting older you don’t always need the same level of physical damage coverage on older cars as on newer ones.
Contact US if you want to work with an Independent Agent that can provide you the best insurance coverage for your home, auto or business in the Daytona Beach Area.