How is insurance distributed
There are 3 basic methods of distributing insurance. We will try to explain each. We are an independent agent so we will give a more complete description of this system than the others
  1. Captive Agents, who can sell you the insurance of only one company.
  1. Telephone Representatives, who can offer you the insurance of only one company, and only on the telephone or over the internet . Quite often only one line of insurance, such as auto.
  1. Independent Insurance Agents are members of the American Agency System, each of whom represent an average of eight insurance companies, handle multiple lines of insurance, and can search these firms to find you the best combination of price, coverage and service.

    The Independent Agents, through the American Agency System have always been selected best by the insurance buying public. It is the oldest system and sells more insurance than the other two systems combined. Heavy advertising campaigns, atacking our system has not changed this fact.

    No one company can offer the best premium and best service in all situations.

    Insurance policies are not static. You continuingly make changes as your family's situation change. Changing drivers, cars, and coverages can drastically affect your premium and/or your desirability to your insurance company.

    Your independent agent is familiar with his companies and their differences. He can suggest alternatives to your requests. One alternative could be to change companies if your situation warrants it.

    This is only one of the reasons American Agency System remains the most solid, viable and proven method of insurance distribution.

    The owners and key people are licensed as professionals by your state department of insurance and held to professional standards.

    Most independent agents displays one or more of the symbols below. These symbols indicate high standards of professionalism.
As your independent agent:
There Is A Difference
That difference is US!!
Buy From an Independent Insurance Agent:

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