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What’s an Independent Insurance Agent?

Reasons Insurance

Have you ever heard the term independent agent? Do you know what it means? You could probably take a pretty good guess but unless you’re in the insurance industry you likely haven’t thought too much about it.

An independent agent is one of three primary models of insurance. The other two are known as captive agents and direct writers.

Captive agents work for a particular insurance company and can usually only provide insurance from that brand. They are part of your local community and can provide personal service but have limited flexibility in underwriting and insurance premiums because they are subject to the rules and rates of the company they work for.

Direct writers are large national brands. They have huge marketing budgets and can often provide low rates but they cannot provide local service, they can only provide one brand of insurance, and they have no stake in your community.

Independent agents provide the best of both. We’re not tied to one brand of insurance so we can shop around for the best rates. At Reasons Insurance, we work with over 15 insurance companies, including some of the best, like Progressive, Travelers, and many more.

Not only can independent agents provide great rates, but you’ll get the counsel of an experienced professional, so you won’t end up with cut-rate coverage. Instead, you’ll get an insurance plan designed around your needs.

Independent agencies are a part of your community, so when you work with one, you’re helping a local business and you’re keeping your hard-earned dollars in the local community. We’re proud to be part of the New Brighton, MN economy and we like to give back to the community through a variety of local volunteer and charity organizations.

So, how does an independent agent save you time, money, and hassle? We save you time by retrieving quotes from multiple insurance companies so you don’t have to. We save you money by finding the best rates on the coverage you need. Finally, an independent agent saves you hassle by removing the burden of shopping for insurance. When you work with an independent agent, you don’t need to spend hours researching which insurance companies provide the best coverage, the amount of coverage you need, or company claims satisfaction. Your independent agent has the answers to all of these questions and we’re right down the road, ready to help. Contact us or request a quote to get started.


Disclaimer: The above are merely suggestions and tips, and are not meant to guarantee individual results.

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