Different Types of Personal Lines Agents
There are, however, different types of agents who sell personal lines. Some agents represent only one insurance company. Many of these companies are well known: State Farm, Nationwide, Farmers. They are good companies, and their agents are good as well.
Some agents represent many insurance companies. They are called independent agents because they are literally that, independent. Unlike the "captive" agents that represent just one company, independent agents can offer you coverage withseveral insurance companies.
A good personal lines independent agent represents five, 10 or even more insurers. If you go to an independent agent, you get options. Coverage options. Price options.
In looking for an agent, you should ask questions. How many auto insurance clients do you have? Homeowner's clients? How long have you been a personal lines agent? How many companies do you represent? You want the answers to these questions to be "a lot" and "a long time."
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