You can’t avoid insurance TV commercials if you watch more than a few minutes of TV. And driving down the street is no different. Billboards and agency signs are everywhere. But you probably aren’t as aware of Independent Agencies. So how are independent agencies different than those you see on TV?

Captive agents represent just one insurance company, like Allstate, Nationwide or American Family Insurance. It’s like a franchise and they only provide that company’s insurance products and services.

Independent agents and brokers aren’t tied to just one company and offer products from many different companies. Often, they can offer more choices and savings because they can shop around to find the best mix of companies, coverages, and rates based on your needs.

That means you can get many quotes with one phone call. They can also help you compare plans to identify weaknesses or overages. You don’t want to be under insured, nor do you want to be over insured. An independent agency can also help bundle all your policies together, which can save you a lot of money.

How to shop for an independent insurance agent:

References are good – ask a friend, neighbor or relative. Have they had good experiences or bad experiences? Not all agents are created equal.

Research the companies they represent. Just as no two insurance agents are created equal, no two insurance companies are created equal. Search online for major complaints or rave reviews.

Meet them in person. If convenient, schedule an appointment to meet them. A face-to-face meeting is better than working over the phone or by email. You can get a feel for their professionalism, demeanor and character.

To learn more, contact your independent Provident Insurance agent. We serve Plainfield, Greenwood, Avon, Brownsburg, Indianapolis, Carmel, Zionsville and the entire central Indiana area. Stop in one of our convenient locations to discuss your insurance needs today.