When looking to purchase insurance through a new agency, your options are overwhelming. A simple Google search of “insurance agents near me” yields over 200 million results… you certainly can’t be expected to sift through those pages and pages of choices! To make things even more complicated, how are you to know what agency is best for your individual needs? Lucky for you, there’s a way to avoid the headaches involved with searching through hundreds of reviews and quotes to find the exact company you need: get coverage through an independent insurance agent!

Why choose an independent insurance agent?

Before we fully answer this question, it’s important to know the difference between an independent agent and a captive agent. A captive agent works with only one insurance company. When you call a captive agent and request a quote, they can only provide you with information for the company they work for. Furthermore, they can only pass along advice and information that applies to that one company. This isn’t to say their knowledge is limited, but their ability to give you the best and most relevant advice for your specific needs is.

Independent agents are different for many reasons. For example, they are not limited to just one insurance company, which gives them the freedom to request quotes from multiple agencies and provide you with the most affordable option. Many people procrastinate on buying the necessary coverages due to their concerns about price. If that sounds like you, an independent agent is your best bet.

Furthermore, when contacting a captive agent, it can be difficult to get through all the automated prompts to get to the person you want to speak with. An independent agent, on the other hand, is much easier to reach and will know who you are when they answer your call. This is especially important in dire situations where you need to file a claim and don’t have the time to explain your situation several times to multiple people.

There are many reasons to choose an independent insurance agent, but for many, it comes down to options. Choosing your insurance company and coverage is a process that you need to get right for you and your family. Independent agents take this pressure off and allow you to relax as they do the searching for you.

If you’d like more information or you’d like to do business with an independent insurance agent, contact us at (610) 335-1139 and we’ll make sure you get the service and coverage you deserve.


Call Risk Averse Insurance in Media, PA to discuss your business or personal insurance.

Risk Averse Insurance is an independent insurance agency in Delaware County that specializes in providing high-quality insurance products at an affordable price.

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