PCIIA AffliateHome PageJeff Mays Insuranc

Insurance is sold through three different means independent agents, captive agents, and direct through the internet.  Being an
independent agent I am an agent with options.

Independent agents have more to offer than other agents making them a strong competitor in the insurance industry.

As an independent agent I have access to multiple insurance companies.

I am able to give Quick quotes from multiple insurance carriers. If you are shopping for insurance, independent agents are a
great place to start because they can check several different companies and see the rates all at once. I normally start with a
quick check of 8-10 companies for each client.  The more companies checked equals a greater chance of finding the best rate
for you and your family. The time saving factor is huge because you only have to provide your information one time.

You have the ability to retain the same agent even if you switch carriers is another perk of having your insurance with an
independent agent.   A strong relationship can be built with your independent agent and if your rates start to creep up, your
agent can possibly find you lower rates without ever switching agents. Many people put up with higher rates because they
are not comfortable leaving their trusted agent.  Independent agents give their clients more options.
    

An independent agent works for you not the insurance company.

An independent agent is not an employee of an insurance company. Technically, you are your independent agent’s boss. 
Independent agents broker insurance companies and get paid commission; however, they do not receive a salary as an
employee. Working with an agent that is not solely employed by one carrier is nice because you can get unbiased advice.

A good independent agent can be proactive when it comes to your insurance rate. They are able to get a head start when it
comes to rate changes. For instance, if an agent knows one of its companies’ rates is increasing, they can start looking for a
better deal before the increase takes place. Captive agents are helpless, and have to roll with the punches of the carrier they
represent.
    
Independent agents provide personalized customer service.

Since an independent agent works for you, often times they will file your claim with the parent company. Personalized customer
service is high priority in independent agencies. Having an agent makes it so you don't have to deal with the automated 800
numbers quite as often. Plus, an agent can give you advice before filing a claim.

Doing business with an independent agent can be great time saving and save you money. However, just because an agent is
independent doesn’t mean they are the best. You still need to look for good agent qualities, such as availability, knowledgeable,
and proactive.
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