Frequently Asked Questions About Independent Insurance Agents

Independent Insurance Agents are your best bet for finding low insurance rates; whether you are near our Dallas World Headquarters or anywhere else, when you are shopping for home insurance or auto insurance your first call should be to an independent insurance agency. These are some questions that we are asked over and over, and they should help you understand why an independent insurance agent is the best way to get the lowest insurance rate with the best coverage.

  1. What is an independent insurance agency?
  • An independent insurance agency is appointed with multiple insurance carriers and can shop multiple insurance companies in order to find the best insurance prices.


  1. Who does the independent insurance agent work for?
  • The independent insurance agent works for their clients; they are not beholden to any one insurance company so they are able to cast a critical eye on your insurance policy, and ensure that you get the right coverage at a great price.


  1. What kind of insurance companies does an independent insurance agent write with?
  • Independent agencies are appointed with many insurance companies; Metlife Insurance, Safeco Insurance, Kemper Insurance, Traveler’s Insurance, Encompass Insurance, and many more.


  1. Why are insurance rates cheaper at an independent insurance agency?
  • Insurance is a competitive market, and insurance companies are always tweaking their rates to find the perfect balance. Independent insurance agents understand this, and because they are appointed with multiple companies they have a broader understanding of insurance rates and can take advantage of changes in the market for their clients.


  1. Why don’t I see commercials for the insurance companies independent insurance agents are appointed with?
  • Commercial time is expensive, and insurance companies that have big flashy commercials have to pay for that somehow. Independent insurance companies pass those savings on to their insurance clients.


  1. Are independent insurance agents more knowledgeable about insurance in general?
  • Independent insurance agents must be well versed in multiple insurance companies products. Each home insurance or auto insurance policy is a little different though each company. Independent insurance agent must understand those differences, and help their clients find the best price insurance.

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Are you ready to save time, aggravation, and money? The team at The Phoenix Insurance is here and ready to make the process as painless as possible. We look forward to meeting you!