The Independent Agent Advantage

Buying insurance is one of the most important times to speak to an agent who knows and understands you. After all, car insurance doesn't seem complicated, but without an agent you may not get maximized benefits. The easiest way to do so is to work with an independent insurance agent.  As a licenced professional your agent helps you enroll in a plan that is the best fit for you.

Independent agencies like the Halkos Insurance Agency offers you one great perk: choice. We’re staffed by a team of professionals who are committed to our client’s satisfaction, first and foremost, rather than the sale. That’s why to us, it’s less about pushing you to enroll and more about gaining your trust. You can rely on us for all of your insurance needs for years to come.  

Let’s take a closer look at why independent agencies are the best ways to get personalize insurance solutions by answering a few of your commonly asked questions. 

Are Independent Insurance Agents Worth It?  

Insurance is one of the most complicated purchases you can make. You’re buying protection that could make or break your well-being. That being said, here are a few benefits of having an independent agent:  

• Independent agents offer choice: We represent many different insurance companies that offer a wide variety of coverage options and price points to fit your needs. 

• Independent agents are licensed experts: The complexity of insurance can be explained to you in simple terms that will help in making smart decisions for yourself.  

• Independent agents are community-focused: Independent agents will find you competitive pricing while making sure you are adequately covered.

 

How Do I Choose an Independent Insurance Agent?  

There are two types of insurance agents to choose from: captive and independent. Captive agents only sell the policies of a single insurance carrier, whereas independent agents are authorized to sell policies for any number of carriers with whom they choose to partner.  

So, if you buy your policy from a captive agent, then you will only be able to select from the policies that carrier offers, and the choice will be limited. However, an independent agent will be able to extensively compare policies from across a wide network of insurers, and help you determine the plan that offers you the right coverage at the most competitive price.  

In reality, policies from different insurers might look identical in terms of coverage but might actually be priced quite differently. It’s only natural to want a policy that offers you the most value and affordability. If you only work with a captive agent, then you might not be unlocking the full cost perks that you might be able to obtain from another insurer. Your independent agent will therefore be able to guide you in the direction of coverage that will offer you the best of both worlds.  

What is the Point of Having an Insurance Agent?

The Halkos Insurance Agency is licensed to sell insurance in Maryland, North Carolina, Virginia, Pennsylvania, Tennessee, DC, Ohio, Texas and Delaware. We can get you affordable coverage that meets any insurance requirements you might face.  

You won’t have to worry about buying the wrong coverage when you have a licenced agent helping you protect the things that matter the most.  


Get in touch with us today to protect your assets and get the peace of mind that you deserve.