Most people do not understand what an independent agent is…
“Agents are either captive or independent. A captive agent represents a single insurer. Agents that represent Allstate or State Farm are captive agents. An independent agent represents multiple insurers.”
Independent insurance agencies, such as Macomb Insurance Mart, can offer services to customers from multiple companies. The agents can help guide you to the correct company that fits your needs. Many Insurance companies have a specific market that they are geared towards and most consumers are not aware of which company will work for them. Agencies can be a small business, similar to Macomb Insurance Mart, or they can grow into multiple locations.
Independent insurance agents can give you advice on your current policy and help you insure all of life’s changes. Many agents will do training, with their many appointed companies, to see what new products or discounts are available to the public. You do not have to call a 1-800 number to reach your agent when you have a question or concern. They can help you put your life back together after a disaster by protecting your property; they can educate and give advice on coverage you may need.
Independent agencies and agents have choices for you and they can call the insurer on your behalf so you don’t have to understand the insurance lingo. Does your insurance agent quote multiple companies for you?