Having an insurance agent or broker available to help you find the right insurance policy is a great advantage, especially after getting into an accident and going through the claim filing process. You may not know that you have options when choosing an insurance agent. Being informed is half the battle and knowing the difference between a captive agent and an independent agent will give you more control over the type of insurance services offered.
A captive agent can only offer you products and services of the one insurance company they represent. A captive agent may not have the best product to meet your needs because they are limited to what their one company has to offer. If you are unhappy with the coverages and/or premiums, the captive agent has no other options for you. They truly are limited to their one company. If you prefer having more options to fit your specialized needs you may want to consider working with an independent agent.
An independent agent works with a multitude of different insurance companies and can give you different options for insurance coverage and pricing. Working with an independent agent will allow the agent to shop around and find the best coverage to meet your specific needs.
Robert J. Los Insurance Agency is a family owned independent agency in Hamburg, New York with the knowledge and experience to get you the coverage you need. We work with multiple agencies so you have more options for your insurance plan. Contact us today for more information.