We are under the notion that all insurance agents are created equal. They all provide a quotes for the variety of protections we need, whether car, auto, life, home, or business. However, there are actually two kinds of insurance agents and they are very different from each other.
One is referred to as an independent insurance agent and the other a captive insurance agent. The war has long been waged between these agents, with a no victory in sight! But all jokes aside, today we put an end to our differences and highlight what makes us special.
The Independent Agent:
When it comes down to the meat and potatoes of the subject, the independent agents typically represent many different insurance companies. For example, the Pettineo Insurance Agency offers a complete line of auto insurance options including Travelers, Progressive, Metropolitan, Mercury, Foremost just to name a few. By having a range of options, you are able to receive a variety of prices and choices to help determine which company best suits your needs.
As homeowners and business owners close to the water, Pettineo Insurance Agency and local independent agencies can meet the specific needs of the unique weather-related aspects of South Florida. Our region is often prone to hurricanes and flood watches, therefore we understand the exact coverage needed to keep you and your family protected.
Lastly, if you are looking for an agency dedicated topersonalized service, where a phone call will lead you to a live person rather than elevator music and a string of operator commands, then a local independent agency may be your best option. Local independent agents focus their attention on the members of the community and maintain long-lasting relationships with them.
The Captive Agent:
Captive Agents typically represent one company. These are nationwide carriers such as State Farm, Allstate and Nationwide.
Their knowledge is specialized on their family of product, allowing themselves to be experts on their policies and offerings. Ask Dean Winters (also known as Mayhem) a question regarding Allstate car insurance and he is quick to answer. Ask him a question regarding Mercury car insurance; he may be slower on the draw.
Captive agents usually have quotas to hit; therefore you may feel a little more pressured to purchase more than the car insurance you inquired about. While it is important to stay knowledgeable of your options, the most important advice is to work an agent you feel comfortable and you can trust.
The Pettineo Agency prides itself on the 30-year history we have with our clients. We want to give them the best protection they need, with the best carrier suitable for them.
To learn more about your insurance options and how to best protect you and your family go to www.pettineo.com.
