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When you are searching for a reputable insurance agency, you typically have two types to choose from—either captive or independent. Captive agents represent only a single insurer and usually receive their compensation from them in the form of a salary and commissions. Independent agents, on the other hand, represent multiple insurers. Below you will find a brief explanation of how else they differ.

What Is an Independent Insurance Agency?

While captive agencies are often simply branches of a much larger, sometimes multinational business—think Allstate® or State Farm®—independent insurance agencies are often locally-based small businesses with ties to no larger company. They represent a network of numerous insurers who offer a variety of coverage types and prices. It is this network that makes independent agencies so valuable.

How Can an Independent Agency Assist You?

In many cases, captive agents may be encouraged by the carrier to push certain types of coverage or meet certain monthly sales quotas. In such cases, you can't be sure the agent has only your best interests at heart when they design a policy for you.

insurance agencyOn the other hand, an independent insurance agency is beholden to no single insurer. As such, they can search through all the offerings made available by their numerous network members to find you the best coverage for your needs, the lowest insurance premium, or both. For instance, some carriers specialize in providing affordable coverage to high-risk drivers. If you have recently been cited with a DUI and are deemed uninsurable by the nationwide brands, an independent agency may be able to get you back on the road through their network.

 

For indispensable help from a friendly, knowledgeable agent, contact Accredited Insurance Group, an experienced, independent insurance agency in Omaha, NE. They are family-owned and operated and have been providing auto, motorcycle, home, and renters insurance to Douglas County residents for more than 25 years. Visit their website for a map and business hours or call (402) 334-1780 to request a quote.

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