Why An Independent Agent?

Here's another article that explains the benefits of working with an independent agent.

Why An Independent Agent?



 "When shopping for insurance, most people are unaware that there are different kinds of agents they can work with. Choosing the right one can make a big difference in securing the best combination of price and value.


With a captive insurance agent, you only get the guidance of one company that sells one brand of insurance. With an independent insurance agent, you might get up to eight choices.
 
This is because an independent insurance agent represents multiple brands, and can compare coverage and prices to find the best possible value for your individual circumstances. Independent agents are usually vested members of your community who are committed to doing business face-to-face and being your advocate in times of need.

They also:

• Work for you when you have a claim.
• Are not beholden to any one company. This means you don’t have to change agencies as your insurance and service needs change.
• Are your consultants, working with you as you determine your needs.
• Are value-hunters who look after your pocketbook in finding the best combination of price, coverage, and service.
• Offer one-stop shopping for a full range of products, including home, renters, auto and business.
• Can periodically review your coverage to keep up with your changing insurance needs.
• Are committed to customer satisfaction-it's the key to their livelihood.
• Treat you like a person, not a number.
• Are licensed professionals with strong customer and community ties."

There is a difference.  To find out more about working with an independent agent, please contact us."


Information supplied by the Independent Insurance Agents & Brokers of America.

Independent Agents

Here's a great article I found explaining the difference between independent agents, like Insurance Network of Louisiana, and captive agents.

Are All Insurance Agents The Same?

"(NAPS)—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? Many factors determine auto insurance rates, not just vehicle year, make, model, body type and engine size. 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.


Do you have another type of vehicle that also needs cover­age? If you have a motorcycle, boat, RV or other “toy,” you might save money by having it covered by the same company that insures your car. Talk to an independent agent or broker about it.

Another plus to working with an independent agent or broker is their ability to offer guidance for all your insurance needs—auto, home, life, business and more. They can customize a package of policies just for you.

Did You Know?

Unlike captive agents, 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. "


Check out our web site at http://www.lainsurance.net/ to learn more.