When it comes to buying insurance, many people head straight to a single provider. But that approach can cost you — in both money and coverage. One of the smartest moves you can make is working with an independent insurance agent. Here’s why:

1. They Shop the Market for You

Independent agents aren’t tied to just one company. Instead, they work with multiple insurance carriers and can compare rates and policies on your behalf. This means they can help you find the best value — not just the cheapest rate, but the best coverage for your specific needs.

2. Unbiased Advice

Because independent agents aren’t beholden to one insurer, they’re more likely to offer objective advice. They focus on matching you with the right policy, not pushing a specific product.

3. Tailored Coverage

An independent agent takes the time to understand your situation — whether you’re insuring a home, a business, or a classic car. They can recommend policy options that actually cover your risks, not just the bare minimum.

4. Personalized Service

With an independent agent, you get a real person who knows your name and can help you navigate claims, renewals, and changes in your coverage. You’re not stuck calling a 1-800 number when something goes wrong.

5. Long-Term Relationship

As your life changes — buying a new car, starting a business, or adding a teen driver — your insurance needs change too. An independent agent can grow with you, continually finding the best options as your situation evolves.

Bottom line: An independent insurance agent works for you, not the insurance company. They can save you time, money, and frustration while making sure you have the protection you actually need.