Call Us 888-423-2488 ☰ ˟
Logo
Call Us 888-423-2488
  • Home
    • About UsImage of right arrow
      • About Us
      • Our Locations
    • Personal ProductsImage of right arrow
      • Home & Auto Insurance
      • Auto InsuranceImage of right arrow
        • Liability Coverage
        • Comprehensive Coverage
        • Collision Coverage
        • Uninsured & Underinsured Motorist Coverage
        • Accident Forgiveness
        • Minor Violation Forgiveness
        • Roadside Assistance
        • Specialty Auto Insurance
        • 24-Hour Customer Service
        • Towing
        • Rental Reimbursement
        • Personal Injury Protection (PIP)
        • Mexican Auto Insurance
        • Medical Payments Coverage
      • Home InsuranceImage of right arrow
        • Property Insurance
        • Homeowners Liability
        • Renters Insurance
        • Condo Insurance
        • Mobile Home Insurance
        • Scheduled Property Insurance
        • Landlords Insurance
        • In-Home Business Insurance
      • Other Personal InsuranceImage of right arrow
        • Identity Theft
        • Personal Umbrella Insurance
        • Data Backup
      • Farm InsuranceImage of right arrow
        • Crop Insurance
        • Farm Owners Insurance
        • Farm Livestock Insurance
        • Equine Insurance
        • Farm Equipment Insurance
        • Farm Dwelling Insurance
        • Farm Structures Insurance
        • Farm Auto Insurance
        • Farm Umbrella Insurance
        • Farm Liability Insurance
      • Life InsuranceImage of right arrow
        • Individual Life Insurance
        • Group Life Insurance
        • Long-Term Care Insurance
        • Mortgage Protection Insurance
        • Disability Insurance
        • Second-To-Die Policy
        • Key Person (Key Men) Insurance
      • Health InsuranceImage of right arrow
        • Individual & Family Health Insurance
        • Group Health Insurance
        • Dental Coverage
        • Vision Coverage
        • Long-Term Care Insurance
        • Temporary Health Insurance
        • Supplemental Insurance
        • Disability Insurance
        • Medical Expense Insurance
        • Child Health Insurance
        • Travel Health Insurance
        • Prescription Insurance
        • HSAs
      • Recreational Vehicle InsuranceImage of right arrow
        • Boat Insurance
        • Motorcycle Insurance
        • Motorhome Insurance
        • ATV Insurance
        • Snowmobile Insurance
      • Additional Insurance ServicesImage of right arrow
        • Special Event Insurance
        • Other Services
        • Wedding Insurance and Special Event Insurance
    • Commercial ProductsImage of right arrow
      • Coverage for Specific IndustriesImage of right arrow
        • Accounting Firm Insurance
        • Alarm Contractors Insurance
        • Insurance for Arborists
        • Bar Insurance
        • Box Truck Insurance
        • Builders Risk Insurance
        • Car Dealership Insurance
        • Cargo Insurance and Freight Insurance
        • Catering Insurance
        • Cleaning Business Insurance
        • Construction Insurance
        • Consulting Firm Insurance
        • Contractors Insurance
        • Specialty Trade Contractors Insurance
        • Craft Brewery Insurance
        • Dental Practice Insurance
        • Dump Truck Insurance
        • Educational Facility Insurance
        • Financial Institution Insurance
        • Food Truck Insurance
        • Fleet Insurance
        • Handyman Insurance
        • Garage Insurance
        • Healthcare Facility Insurance
        • Healthcare Practice Insurance
        • Law Firm Insurance
        • Life Science Insurance
        • Limousine Services Insurance
        • Liquor Liability Insurance
        • Livestock Insurance
        • Maintenance Contractors Insurance
        • Manufacturing Insurance
        • Maritime Employers Insurance
        • Media & Advertising Insurance
        • Medical Malpractice Insurance
        • Minibus Insurance
        • Non Profit Insurance
        • Nursing Home Insurance
        • Nursing Insurance
        • Orthotics & Prosthetics Insurance
        • Personal Trainer Insurance
        • Pharmacist Insurance
        • Pool & Spa Insurance
        • Printers & Publishers Insurance
        • Railroad Contractors Insurance
        • Real Estate Businesses Insurance
        • Restaurant Insurance
        • Retail Insurance
        • School Bus Contractors Insurance
        • Scrap Metal Insurance
        • Security Guards Insurance
        • Self-Storage Insurance
        • Septic Contractors Insurance
        • Snow Plow Insurance
        • Specialized Truck Equipment Insurance
        • Technology Services Insurance
        • Tractor Insurance
        • Tow Trucks Insurance
        • Uber Insurance
        • Water Well Drillers Insurance
        • Veterinary Insurance
      • Coverage for Your BusinessImage of right arrow
        • Bonds
        • Business Catastrophe Insurance
        • Business Owners Policy (BOP)
        • Commercial Auto Insurance
        • Commercial General Liability
        • Commercial Property Insurance
        • Commercial Real Estate Insurance
        • Commercial Umbrella Insurance
        • Crime Insurance
        • Cyber Liability Insurance
        • Equipment Insurance
        • Errors and Omissions Insurance
        • Extortion Insurance
        • Fidelity Bonds
        • Leave Management
        • Loss Control Insurance
        • Inland Marine Insurance
        • Kidnapping Insurance
        • Marine Insurance
        • Mechanical Breakdown Insurance
        • Office Insurance
        • Product Liability Insurance
        • Professional Liability
        • Ransom Insurance
        • Shipping Insurance
        • Small Business Insurance
        • Small Business Liability Insurance
        • Storage Insurance
        • Surety Bonds
        • Technology Insurance
        • Trailer Insurance
        • Transportation Insurance
        • Trucking Insurance and Semi Truck Insurance
        • Workers Compensation
        • Van Insurance
      • Coverage for Your EmployeesImage of right arrow
        • Small Business Retirement Plans
        • Employer-Sponsored Retirement
        • Group Benefits
        • Group Disability Insurance
        • Voluntary Benefits
        • Retiree Health Coverage
        • Group Health Insurance
        • Disability Insurance
        • Individual Life Insurance
    • Get A Quote
    • Agency Partners
    • Contact UsImage of right arrow
      • Home Office
      • Kentucky Office
    • BlogImage of right arrow
      • Tips to Stay Safe This Summer
      • Tips to Handle Stress
    • Client Portal
    • My Wave Portal
  • Products
    • Home & Auto Insurance
    • Auto InsuranceImage of right arrow
      • Liability Coverage
      • Comprehensive Coverage
      • Collision Coverage
      • Uninsured & Underinsured Motorist Coverage
      • Accident Forgiveness
      • Minor Violation Forgiveness
      • Roadside Assistance
      • Specialty Auto Insurance
      • 24-Hour Customer Service
      • Towing
      • Rental Reimbursement
      • Personal Injury Protection (PIP)
      • Mexican Auto Insurance
      • Medical Payments Coverage
    • Home InsuranceImage of right arrow
      • Property Insurance
      • Homeowners Liability
      • Renters Insurance
      • Condo Insurance
      • Mobile Home Insurance
      • Scheduled Property Insurance
      • Landlords Insurance
      • In-Home Business Insurance
    • Other Personal InsuranceImage of right arrow
      • Identity Theft
      • Personal Umbrella Insurance
      • Data Backup
    • Farm InsuranceImage of right arrow
      • Crop Insurance
      • Farm Owners Insurance
      • Farm Livestock Insurance
      • Equine Insurance
      • Farm Equipment Insurance
      • Farm Dwelling Insurance
      • Farm Structures Insurance
      • Farm Auto Insurance
      • Farm Umbrella Insurance
      • Farm Liability Insurance
    • Life InsuranceImage of right arrow
      • Individual Life Insurance
      • Group Life Insurance
      • Long-Term Care Insurance
      • Mortgage Protection Insurance
      • Disability Insurance
      • Second-To-Die Policy
      • Key Person (Key Men) Insurance
    • Health InsuranceImage of right arrow
      • Individual & Family Health Insurance
      • Group Health Insurance
      • Dental Coverage
      • Vision Coverage
      • Long-Term Care Insurance
      • Temporary Health Insurance
      • Supplemental Insurance
      • Disability Insurance
      • Medical Expense Insurance
      • Child Health Insurance
      • Travel Health Insurance
      • Prescription Insurance
      • HSAs
    • Recreational Vehicle InsuranceImage of right arrow
      • Boat Insurance
      • Motorcycle Insurance
      • Motorhome Insurance
      • ATV Insurance
      • Snowmobile Insurance
    • Additional Insurance ServicesImage of right arrow
      • Special Event Insurance
      • Other Services
      • Wedding Insurance and Special Event Insurance
    • Coverage for Specific IndustriesImage of right arrow
      • Accounting Firm Insurance
      • Alarm Contractors Insurance
      • Insurance for Arborists
      • Bar Insurance
      • Box Truck Insurance
      • Builders Risk Insurance
      • Car Dealership Insurance
      • Cargo Insurance and Freight Insurance
      • Catering Insurance
      • Cleaning Business Insurance
      • Construction Insurance
      • Consulting Firm Insurance
      • Contractors Insurance
      • Specialty Trade Contractors Insurance
      • Craft Brewery Insurance
      • Dental Practice Insurance
      • Dump Truck Insurance
      • Educational Facility Insurance
      • Financial Institution Insurance
      • Food Truck Insurance
      • Fleet Insurance
      • Handyman Insurance
      • Garage Insurance
      • Healthcare Facility Insurance
      • Healthcare Practice Insurance
      • Law Firm Insurance
      • Life Science Insurance
      • Limousine Services Insurance
      • Liquor Liability Insurance
      • Livestock Insurance
      • Maintenance Contractors Insurance
      • Manufacturing Insurance
      • Maritime Employers Insurance
      • Media & Advertising Insurance
      • Medical Malpractice Insurance
      • Minibus Insurance
      • Non Profit Insurance
      • Nursing Home Insurance
      • Nursing Insurance
      • Orthotics & Prosthetics Insurance
      • Personal Trainer Insurance
      • Pharmacist Insurance
      • Pool & Spa Insurance
      • Printers & Publishers Insurance
      • Railroad Contractors Insurance
      • Real Estate Businesses Insurance
      • Restaurant Insurance
      • Retail Insurance
      • School Bus Contractors Insurance
      • Scrap Metal Insurance
      • Security Guards Insurance
      • Self-Storage Insurance
      • Septic Contractors Insurance
      • Snow Plow Insurance
      • Specialized Truck Equipment Insurance
      • Technology Services Insurance
      • Tractor Insurance
      • Tow Trucks Insurance
      • Uber Insurance
      • Water Well Drillers Insurance
      • Veterinary Insurance
    • Coverage for Your BusinessImage of right arrow
      • Bonds
      • Business Catastrophe Insurance
      • Business Owners Policy (BOP)
      • Commercial Auto Insurance
      • Commercial General Liability
      • Commercial Property Insurance
      • Commercial Real Estate Insurance
      • Commercial Umbrella Insurance
      • Crime Insurance
      • Cyber Liability Insurance
      • Equipment Insurance
      • Errors and Omissions Insurance
      • Extortion Insurance
      • Fidelity Bonds
      • Leave Management
      • Loss Control Insurance
      • Inland Marine Insurance
      • Kidnapping Insurance
      • Marine Insurance
      • Mechanical Breakdown Insurance
      • Office Insurance
      • Product Liability Insurance
      • Professional Liability
      • Ransom Insurance
      • Shipping Insurance
      • Small Business Insurance
      • Small Business Liability Insurance
      • Storage Insurance
      • Surety Bonds
      • Technology Insurance
      • Trailer Insurance
      • Transportation Insurance
      • Trucking Insurance and Semi Truck Insurance
      • Workers Compensation
      • Van Insurance
    • Coverage for Your EmployeesImage of right arrow
      • Small Business Retirement Plans
      • Employer-Sponsored Retirement
      • Group Benefits
      • Group Disability Insurance
      • Voluntary Benefits
      • Retiree Health Coverage
      • Group Health Insurance
      • Disability Insurance
      • Individual Life Insurance
  • Get A Quote
    • Auto Insurance Quote
    • Business & CommercialImage of right arrow
      • Builders Risk
      • Business Owners (BOP) Quote Form
      • Commercial Auto Insurance Quote
      • General Liability Quote Form
      • Workers Compensation Quote
    • Group Benefits Insurance Request
    • Health Insurance Quote
    • Homeowners Insurance Quote
    • Life Insurance Quote
  • Resources
    • Refer a friend
    • Blog
    • Important Links
    • Insurance Glossary
  • About Us
    • About Us
    • Our Locations
    • Careers
    • Testimonials
    • Privacy Policy
  • Contact
Auto and Home Icon

Commercial

We browse through a wide variety of coverages and find the right one for you.

Learn More
Business Icon

Group Benefits

We browse through a wide variety of coverages and find the right one for you.

Learn More
Life and Health Icon

Personal Insurance

We browse through a wide variety of coverages and find the right one for you.

Learn More
RV and Boat Icon

Life & Health

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home > Blog > Understanding Independent Insurance Agents - Insurance Associates
FRIDAY, NOVEMBER 11, 2022

Understanding Independent Insurance Agents

Acquiring adequate insurance is critical for individuals, families and businesses to protect their finances and futures. Beyond assessing and understanding what types of insurance you need, you must know how to search for the best coverage. By understanding the different ways to shop for insurance, you may be able to find deals and coverage options that provide optimal policies at ideal prices.a man sitting at a table using a laptop

Different Types of Insurance Agents

Not all insurance agents can offer clients the same options. You must understand what agents may be able to provide you with the best variety of insurance before beginning your search process. Specifically, you should familiarize yourself with the following terms:

·        Captive agent—These insurance agents work for one insurance company (e.g., Geico, State Farm, Nationwide, etc.) and can only sell their products and policies.

·        Independent agent—These agents, such as those at Insurance Associates, sell insurance policies from many different companies.

Advantages of Independent Agents

When shopping for insurance, acquiring coverage that provides adequate protection for your specific situation is necessary. Every individual, family and business will have different needs than that of their peers, neighbors and competitors. With that in mind, how you shop may be crucial to finding coverage that suits you. Working with an independent agent can help you in that regard due to the following advantages:

·        Objective perspective—Independent insurance agents work with several insurance companies and therefore are not beholden to recommending one over the other.

·        Ideal prices—Because independent insurance agents can sell many companies’ products, they can find you the lowest possible price for coverage.

·        Customization—Depending on your specific circumstances, you may have special requirements or preferences for your coverage. Independent agents can browse the offerings of many carriers to find which policies may be adequate for you.

·        Additional discounts—You may be eligible for unique discounts only certain carriers offer. While a captive agent’s company might not make these available to you, an independent agent may find greater success.

·        Simplification—Captive agents may only be able to sell certain types of insurance. As such, you may end up needing multiple agents to maintain your overall insurance portfolio. Using an independent agent may make it easier to have only one contact for all your insurance needs.

Find the Right Agent

Knowing how to find your ideal insurance policies is an essential part of acquiring optimal coverage. By working with the independent agents at Insurance Associates, you can ensure that you have access to a wide array of policies. As such, you can build an insurance portfolio specifically tailored to protect you while also ensuring that you are getting the best possible price.

Contact us on our website or by calling 888-423-2488 to get started.

 

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.

Posted 4:56 PM

Tags: insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021
  • 2020

  • insurance(8)
  • coverage(5)
  • life insurance(3)
  • life(2)
  • premiums(2)
  • malpractice insurance(2)
  • business(2)
  • commercial(2)
  • costs(2)
  • business insurance(2)
  • liability(1)
  • general(1)
  • health insurance(1)
  • healthcare(1)
  • personal insurance(1)
  • personal umbrella(1)
  • cold(1)
  • medical(1)
  • terms(1)
  • basic(1)
  • options(1)
  • owners(1)
  • bop(1)
  • industry(1)
  • home insurance(1)
  • benefits(1)
  • malpractice(1)
  • policy(1)
  • flu(1)
  • homeowners insurance(1)
  • recreational vehicle(1)
  • medical malpractice insurance(1)
  • umbrella insurance(1)
  • health(1)

View Mobile Version

Contact Us Today!
888-423-2488

Social Social Social

Resources

  • Get A Quote
  • Customer Service
  • Payment Options
  • Report a Claim
  • About Us
  • Refer A Friend
  • Our Carriers
  • Blog
  • Contact Us

Contact Us

1061 North University Blvd.
Middletown, OH 45042

Toll-Free: 888-423-2488 | Fax: 513-425-9601 | info@insuranceassociates.net
© Copyright. All rights reserved. | Powered by Insurance Website Builder