Why Work With an Independent Agent

Insurance is often difficult to understand, and ensuring that you obtain the coverage you need can be time-consuming. There are a couple of ways people choose to get their insurance coverage: through a captive insurance agent or an independent one.  


What Is an Independent Insurance Agent? 


Independent agents have access to dozens of trustworthy insurance companies and offer numerous insurance options for their clients. With an independent agent by your side, you can obtain the coverage you need at a fair price without having to gather quotes from multiple insurance agents. On the other hand, captive insurance agents work with a single company and only sell insurance products from that company.  


What Are the Benefits of Working with an Independent Agent? 


There are many benefits to working with an independent agent, and a few of these include:  

• Cost-savings—Independent agents work on commission, and they work hard to find the best-priced policies to keep their clients satisfied and retain them. Because the agents present quotes from multiple insurance companies, they can offer you the best available rates. 

• Multiple options—Independent agents offer you numerous quotes to compare. They save you valuable time and money since they do all the work.  

• Personalized service—Independent agents are generally smaller than insurance companies. You will typically work with the same agent, which allows you to build a relationship. This relationship can result in better, more customized customer service. Your agent will let you know when it’s time for your policy renewal, and they can work with you for your additional insurance needs. 

How Are Independent Agents Paid? 


It’s not typical to pay independent insurance agents for their help in obtaining insurance. Instead, these agents make their money through commissions from the insurers whose products they sell. An independent agent may also get a commission if a customer renews a policy or if a policy premium increases. 


How We Can Help 


The team at Insurance Discounters of Texas works with thousands of customers in the Cypress community. Our staff always has our customers’ best interests in mind, and for more than 28 years, we have delivered insurance that meets their needs. Call us today at 281-351-2880 to talk with us about your coverage needs.