Before you choose a policy, choose an insurance agent

Choosing an agent should be about finding the best options to fit your needs. You'll notice a difference when comparing quotes between independent insurance agents who represent many insurance companies and a multitude of insurance products, and a captive agent who represents one company.
It can be confusing and time consuming to shop for custom coverages, great deals, or exceptional claims service. An independent agent is an expert advisor who can be your best resource for this.
There are 37,500 independent insurance agencies in the U.S, according to a 2010 report from the Independent Insurance Agents & Brokers of America, Inc. Each one offers a broad selection of insurance and financial services.
An independent agent can help you:
Compare a variety of companies and products to help you find the most effective coverage at the best value. Because an independent insurance agency has access to multiple insurance companies, they are able to offer you competitive pricing.
Choose your insurance policy among a vast field of offerings.
Evaluate services offered. Comparing apples and oranges is never easy. Each insurance company offers something slightly unique, and an independent agent can help you sort out which are best suited to your needs.
Customize coverage for your home or business. An independent agent is an expert in the nuances of policies and coverages, and understands how best to leverage these products to your advantage.
Navigate claims and other unfamiliar territories. While captive agents are obligated to watch their insurance company's bottom line, independent agents are free to represent you, and advocate on your behalf. They value you as a person, not a policy, and they'll look out for your best interests.