What is an Independent Insurance Agent?

What is an Independent Insurance Agent?

What is an independent insurance agent?

One of the common misunderstandings I hear from clients is that they really don’t understand what I do. As an independent insurance agency we represent MANY separate insurance companies rather than just one. This gives us the ability to offer you choices when it comes your insurance needs.

For many years we have been building the best of the best when it comes to insurance company relationships. Because of this, we have a broad selection of companies available to shop your coverage needs. These range from the largest insurance companies in the country, to the small, single-state insurance company that offers property products only in Kansas. Each has their particular niche, and we help match clients with the best carrier for their insurance needs at the best pricing available.

Independent insurance agents can offer choices!

For example, some insurance companies like to insure only mature drivers, while others are willing to work at insuring youthful drivers. Some companies only like drivers with clean driving records and others will insure drivers with less than perfect experience.

If you own a home and need a homeowners policy, some insurance companies are very strict with their rules, while others are more flexible and give accommodations where needed. And again, just as with your autos, many companies have specific target audiences they like to insure.

How can I save money?

Some companies are competitive on price or coverage for personal lines policies, but not business policies. When it comes to price every company has different experience and different rates. These rates can vary wildly. But, another great thing about being an independent insurance agent is our ability to re-quote your insurance when you want to see if there is a better premium for your coverage. Often, we can help you save on your insurance premiums again.

If you look at our list of insurance companies you will recognize many of the national names and maybe even a few of the smaller Kansas companies, but be assured that each has very highest standards for service and value. We are extremely proud of the many insurance companies we represent.

Let us offer you a CHOICE for your insurance needs.

If you have any more questions you can visit our FAQ page or email us and we will help.

My name is Mark Lowry and as a 25 year veteran of the insurance industry I get calls every day from people trying to understand this very complicated product. My goal is to help you understand why things happen and what you can do to be better protected by your insurance dollars. If you have questions please reach out to me at the stockton office number.  I will do my very best to answer every one.


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