When you seek insurance, you have two types of agencies to choose from. Captive agencies represent only a single insurer—usually a well-known national brand—while independent insurance agencies represent a network of different providers. Both have their advantages and disadvantages. However, below are some of the best reasons to choose an independent agency to help you buy coverage.
3 Benefits of Working with an Independent Insurance Agency
1. Unbiased Advice
A captive agent will, of course, promote their company's options. However, your needs may not be covered by their coverage options. An independent agent, on the other hand, will search for policies from multiple companies. It doesn't matter to them which insurer you sign with. Because of this, they will provide advice that is more neutral and, hopefully, more beneficial to you.
2. More Options
Another benefit of working with an independent agent is that you have a lot more options in terms of coverage, limits, deductibles, and more. For instance, if one insurer does not offer the type of coverage that best meets your needs, an independent insurance agent can check among their network of other providers to find something that better fits your requirements.
3. Better Prices
Similarly, captive agents can only provide the price their affiliated carrier provides them. Independent agents have access to a much wider variety of insurers and policies. Some specialize in certain types of coverage and offer additional discounts to encourage sales. Because of this, you can often get a better price—or a better policy at no additional cost—by working with an independent agent.
To work with one of the most respected and established independent agencies in Ross County, contact Hummel & Plum Insurance Agency. They have been serving businesses and individuals in and around Chillicothe, OH, for 115 years, and they will help you find quotes for auto, health, business, life, and homeowners insurance. Visit their website to learn about the companies they can shop from, and call (740) 773-1620 to request an affordable insurance quote.